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$5,031
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,188
−HK$159/mo
Today · 4.125%
HK$5,347
baseline
▲ 0.50% · 4.625%
HK$5,672
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,694/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$5,597
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,747
−HK$153/mo
Today · 4.125%
HK$5,900
baseline
▲ 0.50% · 4.625%
HK$6,210
+HK$310/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$6,037
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,225
−HK$191/mo
Today · 4.125%
HK$6,416
baseline
▲ 0.50% · 4.625%
HK$6,806
+HK$390/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$12,832/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$6,717
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$182/mo
Today · 4.125%
HK$7,079
baseline
▲ 0.50% · 4.625%
HK$7,453
+HK$374/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$14,158/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$7,044
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$222/mo
Today · 4.125%
HK$7,485
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$456/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$14,970/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$7,836
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,046
−HK$213/mo
Today · 4.125%
HK$8,259
baseline
▲ 0.50% · 4.625%
HK$8,695
+HK$436/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$16,518/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$9,056
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$286/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,210
+HK$586/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,248/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$10,075
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$274/mo
Today · 4.125%
HK$10,619
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,238/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).