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$5,019
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,175
−HK$159/mo
Today · 4.125%
HK$5,334
baseline
▲ 0.50% · 4.625%
HK$5,658
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,668/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$5,584
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,733
−HK$152/mo
Today · 4.125%
HK$5,885
baseline
▲ 0.50% · 4.625%
HK$6,195
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,770/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$6,023
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,210
−HK$190/mo
Today · 4.125%
HK$6,400
baseline
▲ 0.50% · 4.625%
HK$6,790
+HK$390/mo
Deposit HK$880K · loan HK$1.32M · min. income ≈ HK$12,800/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$6,700
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,880
−HK$182/mo
Today · 4.125%
HK$7,062
baseline
▲ 0.50% · 4.625%
HK$7,435
+HK$373/mo
Deposit HK$880K · loan HK$1.32M · min. income ≈ HK$14,124/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$7,027
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,245
−HK$222/mo
Today · 4.125%
HK$7,467
baseline
▲ 0.50% · 4.625%
HK$7,922
+HK$455/mo
Deposit HK$660K · loan HK$1.54M · min. income ≈ HK$14,934/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$7,817
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,027
−HK$212/mo
Today · 4.125%
HK$8,239
baseline
▲ 0.50% · 4.625%
HK$8,674
+HK$435/mo
Deposit HK$660K · loan HK$1.54M · min. income ≈ HK$16,478/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$9,034
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,315
−HK$286/mo
Today · 4.125%
HK$9,601
baseline
▲ 0.50% · 4.625%
HK$10,185
+HK$584/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,202/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$10,050
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$273/mo
Today · 4.125%
HK$10,593
baseline
▲ 0.50% · 4.625%
HK$11,152
+HK$559/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,186/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).