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$5,029
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,186
−HK$159/mo
Today · 4.125%
HK$5,345
baseline
▲ 0.50% · 4.625%
HK$5,670
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,690/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$5,595
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,745
−HK$152/mo
Today · 4.125%
HK$5,897
baseline
▲ 0.50% · 4.625%
HK$6,208
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,794/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$6,035
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,223
−HK$191/mo
Today · 4.125%
HK$6,414
baseline
▲ 0.50% · 4.625%
HK$6,804
+HK$390/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$12,828/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$6,714
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,894
−HK$183/mo
Today · 4.125%
HK$7,077
baseline
▲ 0.50% · 4.625%
HK$7,450
+HK$373/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$14,154/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$7,041
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,260
−HK$222/mo
Today · 4.125%
HK$7,482
baseline
▲ 0.50% · 4.625%
HK$7,938
+HK$456/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$14,964/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$7,833
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,043
−HK$213/mo
Today · 4.125%
HK$8,256
baseline
▲ 0.50% · 4.625%
HK$8,691
+HK$435/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$16,512/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$9,053
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,334
−HK$286/mo
Today · 4.125%
HK$9,620
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$586/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,240/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$10,071
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$274/mo
Today · 4.125%
HK$10,615
baseline
▲ 0.50% · 4.625%
HK$11,175
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,230/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).