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$5,011
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,166
−HK$159/mo
Today · 4.125%
HK$5,325
baseline
▲ 0.50% · 4.625%
HK$5,649
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,650/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$5,574
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,724
−HK$151/mo
Today · 4.125%
HK$5,875
baseline
▲ 0.50% · 4.625%
HK$6,185
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,750/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$6,013
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$190/mo
Today · 4.125%
HK$6,390
baseline
▲ 0.50% · 4.625%
HK$6,779
+HK$389/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$12,780/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$6,689
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,868
−HK$182/mo
Today · 4.125%
HK$7,050
baseline
▲ 0.50% · 4.625%
HK$7,422
+HK$372/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$14,100/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$7,015
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,233
−HK$222/mo
Today · 4.125%
HK$7,455
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$453/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,910/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$7,804
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,013
−HK$212/mo
Today · 4.125%
HK$8,225
baseline
▲ 0.50% · 4.625%
HK$8,659
+HK$434/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,450/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$9,019
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,300
−HK$285/mo
Today · 4.125%
HK$9,585
baseline
▲ 0.50% · 4.625%
HK$10,168
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,170/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$10,034
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$273/mo
Today · 4.125%
HK$10,576
baseline
▲ 0.50% · 4.625%
HK$11,133
+HK$557/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,152/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).