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$5,030
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,187
−HK$159/mo
Today · 4.125%
HK$5,346
baseline
▲ 0.50% · 4.625%
HK$5,671
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,692/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$5,596
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,746
−HK$152/mo
Today · 4.125%
HK$5,898
baseline
▲ 0.50% · 4.625%
HK$6,209
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,796/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$6,036
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,224
−HK$191/mo
Today · 4.125%
HK$6,415
baseline
▲ 0.50% · 4.625%
HK$6,805
+HK$390/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$12,830/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,715
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,895
−HK$183/mo
Today · 4.125%
HK$7,078
baseline
▲ 0.50% · 4.625%
HK$7,451
+HK$373/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$14,156/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,042
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,261
−HK$223/mo
Today · 4.125%
HK$7,484
baseline
▲ 0.50% · 4.625%
HK$7,939
+HK$455/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$14,968/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$7,834
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,045
−HK$213/mo
Today · 4.125%
HK$8,258
baseline
▲ 0.50% · 4.625%
HK$8,693
+HK$435/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$16,516/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$9,054
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,336
−HK$286/mo
Today · 4.125%
HK$9,622
baseline
▲ 0.50% · 4.625%
HK$10,208
+HK$586/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,244/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$10,073
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,343
−HK$274/mo
Today · 4.125%
HK$10,617
baseline
▲ 0.50% · 4.625%
HK$11,177
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,234/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).