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$5,021
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,177
−HK$159/mo
Today · 4.125%
HK$5,336
baseline
▲ 0.50% · 4.625%
HK$5,660
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,672/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$5,586
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,735
−HK$152/mo
Today · 4.125%
HK$5,887
baseline
▲ 0.50% · 4.625%
HK$6,198
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,774/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$6,025
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,212
−HK$191/mo
Today · 4.125%
HK$6,403
baseline
▲ 0.50% · 4.625%
HK$6,792
+HK$389/mo
Deposit HK$881K · loan HK$1.32M · min. income ≈ HK$12,806/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,703
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,882
−HK$183/mo
Today · 4.125%
HK$7,065
baseline
▲ 0.50% · 4.625%
HK$7,437
+HK$372/mo
Deposit HK$881K · loan HK$1.32M · min. income ≈ HK$14,130/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,029
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,248
−HK$222/mo
Today · 4.125%
HK$7,470
baseline
▲ 0.50% · 4.625%
HK$7,924
+HK$454/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$14,940/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,820
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,029
−HK$213/mo
Today · 4.125%
HK$8,242
baseline
▲ 0.50% · 4.625%
HK$8,677
+HK$435/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$16,484/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,037
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,318
−HK$286/mo
Today · 4.125%
HK$9,604
baseline
▲ 0.50% · 4.625%
HK$10,188
+HK$584/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,208/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$10,054
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,324
−HK$273/mo
Today · 4.125%
HK$10,597
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$559/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,194/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).