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$5,038
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,194
−HK$160/mo
Today · 4.125%
HK$5,354
baseline
▲ 0.50% · 4.625%
HK$5,679
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,708/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$5,604
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,755
−HK$152/mo
Today · 4.125%
HK$5,907
baseline
▲ 0.50% · 4.625%
HK$6,219
+HK$312/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,814/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$6,045
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,233
−HK$191/mo
Today · 4.125%
HK$6,424
baseline
▲ 0.50% · 4.625%
HK$6,815
+HK$391/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$12,848/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,725
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,906
−HK$183/mo
Today · 4.125%
HK$7,089
baseline
▲ 0.50% · 4.625%
HK$7,462
+HK$373/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$14,178/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,053
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,272
−HK$223/mo
Today · 4.125%
HK$7,495
baseline
▲ 0.50% · 4.625%
HK$7,951
+HK$456/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$14,990/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,846
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,057
−HK$213/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,706
+HK$436/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$16,540/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,068
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$286/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,223
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,272/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,088
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,358
−HK$275/mo
Today · 4.125%
HK$10,633
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,266/mo (50% DSR)
Upfront cash ≈ HK$221K (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).