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$5,012
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,168
−HK$158/mo
Today · 4.125%
HK$5,326
baseline
▲ 0.50% · 4.625%
HK$5,650
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,652/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$5,576
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,725
−HK$152/mo
Today · 4.125%
HK$5,877
baseline
▲ 0.50% · 4.625%
HK$6,187
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,754/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$6,014
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,201
−HK$190/mo
Today · 4.125%
HK$6,391
baseline
▲ 0.50% · 4.625%
HK$6,780
+HK$389/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$12,782/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$6,691
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,870
−HK$182/mo
Today · 4.125%
HK$7,052
baseline
▲ 0.50% · 4.625%
HK$7,424
+HK$372/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$14,104/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$7,017
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,235
−HK$222/mo
Today · 4.125%
HK$7,457
baseline
▲ 0.50% · 4.625%
HK$7,910
+HK$453/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,914/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$7,806
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,015
−HK$213/mo
Today · 4.125%
HK$8,228
baseline
▲ 0.50% · 4.625%
HK$8,661
+HK$433/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,456/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$9,021
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,302
−HK$285/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,171
+HK$584/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,174/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$10,036
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,305
−HK$274/mo
Today · 4.125%
HK$10,579
baseline
▲ 0.50% · 4.625%
HK$11,136
+HK$557/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,158/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).