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$5,035
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,192
−HK$159/mo
Today · 4.125%
HK$5,351
baseline
▲ 0.50% · 4.625%
HK$5,677
+HK$326/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,702/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$5,602
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,752
−HK$152/mo
Today · 4.125%
HK$5,904
baseline
▲ 0.50% · 4.625%
HK$6,216
+HK$312/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,808/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$6,042
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,230
−HK$191/mo
Today · 4.125%
HK$6,421
baseline
▲ 0.50% · 4.625%
HK$6,812
+HK$391/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$12,842/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$6,722
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$183/mo
Today · 4.125%
HK$7,085
baseline
▲ 0.50% · 4.625%
HK$7,459
+HK$374/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$14,170/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$7,050
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,269
−HK$223/mo
Today · 4.125%
HK$7,492
baseline
▲ 0.50% · 4.625%
HK$7,947
+HK$455/mo
Deposit HK$662K · loan HK$1.55M · min. income ≈ HK$14,984/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$7,843
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$213/mo
Today · 4.125%
HK$8,266
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$436/mo
Deposit HK$662K · loan HK$1.55M · min. income ≈ HK$16,532/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$9,064
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,346
−HK$286/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,218
+HK$586/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,264/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$10,083
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,354
−HK$274/mo
Today · 4.125%
HK$10,628
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,256/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).