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$5,005
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,160
−HK$159/mo
Today · 4.125%
HK$5,319
baseline
▲ 0.50% · 4.625%
HK$5,642
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,638/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$5,568
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,717
−HK$152/mo
Today · 4.125%
HK$5,869
baseline
▲ 0.50% · 4.625%
HK$6,178
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,738/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$6,006
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$189/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,771
+HK$389/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$12,764/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,681
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,860
−HK$182/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,413
+HK$371/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$14,084/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,007
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,225
−HK$221/mo
Today · 4.125%
HK$7,446
baseline
▲ 0.50% · 4.625%
HK$7,899
+HK$453/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$14,892/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,795
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,004
−HK$212/mo
Today · 4.125%
HK$8,216
baseline
▲ 0.50% · 4.625%
HK$8,649
+HK$433/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$16,432/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,009
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,289
−HK$284/mo
Today · 4.125%
HK$9,573
baseline
▲ 0.50% · 4.625%
HK$10,156
+HK$583/mo
Deposit HK$219K · loan HK$1.98M · min. income ≈ HK$19,146/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$10,022
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,291
−HK$272/mo
Today · 4.125%
HK$10,563
baseline
▲ 0.50% · 4.625%
HK$11,120
+HK$557/mo
Deposit HK$219K · loan HK$1.98M · min. income ≈ HK$21,126/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).