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$5,001
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,156
−HK$158/mo
Today · 4.125%
HK$5,314
baseline
▲ 0.50% · 4.625%
HK$5,638
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,628/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$5,563
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,713
−HK$151/mo
Today · 4.125%
HK$5,864
baseline
▲ 0.50% · 4.625%
HK$6,173
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,728/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$6,001
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,188
−HK$189/mo
Today · 4.125%
HK$6,377
baseline
▲ 0.50% · 4.625%
HK$6,765
+HK$388/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$12,754/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,676
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,855
−HK$182/mo
Today · 4.125%
HK$7,037
baseline
▲ 0.50% · 4.625%
HK$7,408
+HK$371/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$14,074/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,001
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,219
−HK$221/mo
Today · 4.125%
HK$7,440
baseline
▲ 0.50% · 4.625%
HK$7,893
+HK$453/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$14,880/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$7,789
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,998
−HK$212/mo
Today · 4.125%
HK$8,210
baseline
▲ 0.50% · 4.625%
HK$8,642
+HK$432/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$16,420/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$9,002
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,282
−HK$284/mo
Today · 4.125%
HK$9,566
baseline
▲ 0.50% · 4.625%
HK$10,148
+HK$582/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,132/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,014
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,283
−HK$272/mo
Today · 4.125%
HK$10,555
baseline
▲ 0.50% · 4.625%
HK$11,112
+HK$557/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,110/mo (50% DSR)
Upfront cash ≈ HK$219K (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).