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$5,008
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,163
−HK$159/mo
Today · 4.125%
HK$5,322
baseline
▲ 0.50% · 4.625%
HK$5,645
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,644/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$5,571
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,720
−HK$152/mo
Today · 4.125%
HK$5,872
baseline
▲ 0.50% · 4.625%
HK$6,181
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,744/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$6,009
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,196
−HK$190/mo
Today · 4.125%
HK$6,386
baseline
▲ 0.50% · 4.625%
HK$6,775
+HK$389/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$12,772/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$6,685
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,864
−HK$182/mo
Today · 4.125%
HK$7,046
baseline
▲ 0.50% · 4.625%
HK$7,418
+HK$372/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$14,092/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$7,011
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,229
−HK$221/mo
Today · 4.125%
HK$7,450
baseline
▲ 0.50% · 4.625%
HK$7,904
+HK$454/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,900/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$7,799
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$213/mo
Today · 4.125%
HK$8,221
baseline
▲ 0.50% · 4.625%
HK$8,654
+HK$433/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,442/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$9,014
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,294
−HK$285/mo
Today · 4.125%
HK$9,579
baseline
▲ 0.50% · 4.625%
HK$10,162
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,158/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$10,028
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,297
−HK$272/mo
Today · 4.125%
HK$10,569
baseline
▲ 0.50% · 4.625%
HK$11,127
+HK$558/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,138/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).