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$5,002
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,158
−HK$158/mo
Today · 4.125%
HK$5,316
baseline
▲ 0.50% · 4.625%
HK$5,639
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,632/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$5,565
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,714
−HK$151/mo
Today · 4.125%
HK$5,865
baseline
▲ 0.50% · 4.625%
HK$6,175
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,730/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$6,002
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,189
−HK$190/mo
Today · 4.125%
HK$6,379
baseline
▲ 0.50% · 4.625%
HK$6,767
+HK$388/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$12,758/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$6,678
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,857
−HK$181/mo
Today · 4.125%
HK$7,038
baseline
▲ 0.50% · 4.625%
HK$7,409
+HK$371/mo
Deposit HK$877K · loan HK$1.32M · min. income ≈ HK$14,076/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$7,003
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,221
−HK$221/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,895
+HK$453/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$14,884/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$7,791
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$212/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,644
+HK$432/mo
Deposit HK$658K · loan HK$1.54M · min. income ≈ HK$16,424/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$9,004
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,284
−HK$284/mo
Today · 4.125%
HK$9,568
baseline
▲ 0.50% · 4.625%
HK$10,151
+HK$583/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,136/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$10,017
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$273/mo
Today · 4.125%
HK$10,558
baseline
▲ 0.50% · 4.625%
HK$11,114
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,116/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).