The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,004
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,159
−HK$158/mo
Today · 4.125%
HK$5,317
baseline
▲ 0.50% · 4.625%
HK$5,641
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,634/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,567
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,716
−HK$151/mo
Today · 4.125%
HK$5,867
baseline
▲ 0.50% · 4.625%
HK$6,177
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,734/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,004
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,191
−HK$190/mo
Today · 4.125%
HK$6,381
baseline
▲ 0.50% · 4.625%
HK$6,769
+HK$388/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$12,762/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,680
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,859
−HK$182/mo
Today · 4.125%
HK$7,041
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$371/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$14,082/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,005
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,223
−HK$221/mo
Today · 4.125%
HK$7,444
baseline
▲ 0.50% · 4.625%
HK$7,897
+HK$453/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$14,888/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,793
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,002
−HK$212/mo
Today · 4.125%
HK$8,214
baseline
▲ 0.50% · 4.625%
HK$8,647
+HK$433/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$16,428/mo (50% DSR)
Upfront cash ≈ HK$658K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,007
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$284/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$583/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,142/mo (50% DSR)
Upfront cash ≈ HK$220K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,020
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,288
−HK$273/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$557/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,122/mo (50% DSR)
Upfront cash ≈ HK$220K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).