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$314/mo
▼ 0.25% · 3.875%
HK$5,160
−HK$158/mo
Today · 4.125%
HK$5,318
baseline
▲ 0.50% · 4.625%
HK$5,641
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,636/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$301/mo
▼ 0.25% · 3.875%
HK$5,716
−HK$152/mo
Today · 4.125%
HK$5,868
baseline
▲ 0.50% · 4.625%
HK$6,177
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,736/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$6,005
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,192
−HK$189/mo
Today · 4.125%
HK$6,381
baseline
▲ 0.50% · 4.625%
HK$6,770
+HK$389/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$7,006
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,224
−HK$221/mo
Today · 4.125%
HK$7,445
baseline
▲ 0.50% · 4.625%
HK$7,898
+HK$453/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$14,890/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$7,794
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,003
−HK$212/mo
Today · 4.125%
HK$8,215
baseline
▲ 0.50% · 4.625%
HK$8,648
+HK$433/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$16,430/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$565/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$285/mo
Today · 4.125%
HK$9,572
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$582/mo
Deposit HK$219K · loan HK$1.98M · min. income ≈ HK$19,144/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$542/mo
▼ 0.25% · 3.875%
HK$10,289
−HK$273/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,119
+HK$557/mo
Deposit HK$219K · loan HK$1.98M · min. income ≈ HK$21,124/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).