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$5,010
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,166
−HK$158/mo
Today · 4.125%
HK$5,324
baseline
▲ 0.50% · 4.625%
HK$5,648
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,648/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$5,573
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,723
−HK$152/mo
Today · 4.125%
HK$5,875
baseline
▲ 0.50% · 4.625%
HK$6,184
+HK$309/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$6,012
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,199
−HK$190/mo
Today · 4.125%
HK$6,389
baseline
▲ 0.50% · 4.625%
HK$6,778
+HK$389/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$12,778/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$6,688
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,867
−HK$182/mo
Today · 4.125%
HK$7,049
baseline
▲ 0.50% · 4.625%
HK$7,421
+HK$372/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$14,098/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$7,014
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$222/mo
Today · 4.125%
HK$7,454
baseline
▲ 0.50% · 4.625%
HK$7,907
+HK$453/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,908/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$7,803
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$212/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,658
+HK$434/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,448/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$9,018
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$285/mo
Today · 4.125%
HK$9,583
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,166/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$10,032
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$273/mo
Today · 4.125%
HK$10,574
baseline
▲ 0.50% · 4.625%
HK$11,132
+HK$558/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,148/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).