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$5,037
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,193
−HK$159/mo
Today · 4.125%
HK$5,352
baseline
▲ 0.50% · 4.625%
HK$5,678
+HK$326/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,704/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$5,603
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$153/mo
Today · 4.125%
HK$5,906
baseline
▲ 0.50% · 4.625%
HK$6,217
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,812/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$6,044
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,232
−HK$191/mo
Today · 4.125%
HK$6,423
baseline
▲ 0.50% · 4.625%
HK$6,814
+HK$391/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$12,846/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$6,724
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,904
−HK$183/mo
Today · 4.125%
HK$7,087
baseline
▲ 0.50% · 4.625%
HK$7,461
+HK$374/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$14,174/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$7,051
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,271
−HK$222/mo
Today · 4.125%
HK$7,493
baseline
▲ 0.50% · 4.625%
HK$7,949
+HK$456/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$14,986/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$7,844
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,055
−HK$213/mo
Today · 4.125%
HK$8,268
baseline
▲ 0.50% · 4.625%
HK$8,704
+HK$436/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$16,536/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$9,066
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,348
−HK$286/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,268/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$10,086
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,356
−HK$275/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,191
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,262/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).