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$5,032
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,189
−HK$159/mo
Today · 4.125%
HK$5,348
baseline
▲ 0.50% · 4.625%
HK$5,673
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,696/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$5,598
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,748
−HK$152/mo
Today · 4.125%
HK$5,900
baseline
▲ 0.50% · 4.625%
HK$6,212
+HK$312/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,800/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$6,038
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,226
−HK$191/mo
Today · 4.125%
HK$6,417
baseline
▲ 0.50% · 4.625%
HK$6,808
+HK$391/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$12,834/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,718
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,898
−HK$183/mo
Today · 4.125%
HK$7,081
baseline
▲ 0.50% · 4.625%
HK$7,454
+HK$373/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$14,162/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,045
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,264
−HK$223/mo
Today · 4.125%
HK$7,487
baseline
▲ 0.50% · 4.625%
HK$7,942
+HK$455/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$14,974/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,837
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$214/mo
Today · 4.125%
HK$8,261
baseline
▲ 0.50% · 4.625%
HK$8,696
+HK$435/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$16,522/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,058
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$287/mo
Today · 4.125%
HK$9,626
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$585/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,252/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$10,076
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,347
−HK$274/mo
Today · 4.125%
HK$10,621
baseline
▲ 0.50% · 4.625%
HK$11,181
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,242/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).