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$5,013
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,169
−HK$158/mo
Today · 4.125%
HK$5,327
baseline
▲ 0.50% · 4.625%
HK$5,651
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,654/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$5,577
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,726
−HK$152/mo
Today · 4.125%
HK$5,878
baseline
▲ 0.50% · 4.625%
HK$6,188
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,756/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$6,015
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,202
−HK$190/mo
Today · 4.125%
HK$6,392
baseline
▲ 0.50% · 4.625%
HK$6,781
+HK$389/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$12,784/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,692
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,871
−HK$182/mo
Today · 4.125%
HK$7,053
baseline
▲ 0.50% · 4.625%
HK$7,425
+HK$372/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$14,106/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,018
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,236
−HK$222/mo
Today · 4.125%
HK$7,458
baseline
▲ 0.50% · 4.625%
HK$7,912
+HK$454/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,916/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,807
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,017
−HK$212/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,663
+HK$434/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,458/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,023
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,304
−HK$285/mo
Today · 4.125%
HK$9,589
baseline
▲ 0.50% · 4.625%
HK$10,172
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,178/mo (50% DSR)
Upfront cash ≈ HK$220K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,038
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,307
−HK$273/mo
Today · 4.125%
HK$10,580
baseline
▲ 0.50% · 4.625%
HK$11,138
+HK$558/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,160/mo (50% DSR)
Upfront cash ≈ HK$220K (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).