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$4,998
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,154
−HK$158/mo
Today · 4.125%
HK$5,312
baseline
▲ 0.50% · 4.625%
HK$5,635
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,624/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$5,561
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,710
−HK$151/mo
Today · 4.125%
HK$5,861
baseline
▲ 0.50% · 4.625%
HK$6,170
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,722/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$5,998
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,185
−HK$189/mo
Today · 4.125%
HK$6,374
baseline
▲ 0.50% · 4.625%
HK$6,762
+HK$388/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$12,748/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$6,673
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,852
−HK$181/mo
Today · 4.125%
HK$7,033
baseline
▲ 0.50% · 4.625%
HK$7,404
+HK$371/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$14,066/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$6,998
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$221/mo
Today · 4.125%
HK$7,437
baseline
▲ 0.50% · 4.625%
HK$7,889
+HK$452/mo
Deposit HK$658K · loan HK$1.53M · min. income ≈ HK$14,874/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$7,785
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,994
−HK$212/mo
Today · 4.125%
HK$8,206
baseline
▲ 0.50% · 4.625%
HK$8,638
+HK$432/mo
Deposit HK$658K · loan HK$1.53M · min. income ≈ HK$16,412/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$8,997
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$284/mo
Today · 4.125%
HK$9,561
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$582/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,122/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$10,009
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,278
−HK$272/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,100/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).