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$5,030
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,186
−HK$159/mo
Today · 4.125%
HK$5,345
baseline
▲ 0.50% · 4.625%
HK$5,670
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,690/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$5,595
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,745
−HK$153/mo
Today · 4.125%
HK$5,898
baseline
▲ 0.50% · 4.625%
HK$6,208
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,796/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$6,035
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,223
−HK$191/mo
Today · 4.125%
HK$6,414
baseline
▲ 0.50% · 4.625%
HK$6,804
+HK$390/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$12,828/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,714
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,894
−HK$183/mo
Today · 4.125%
HK$7,077
baseline
▲ 0.50% · 4.625%
HK$7,450
+HK$373/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$14,154/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,041
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,260
−HK$223/mo
Today · 4.125%
HK$7,483
baseline
▲ 0.50% · 4.625%
HK$7,938
+HK$455/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$14,966/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,833
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,043
−HK$214/mo
Today · 4.125%
HK$8,257
baseline
▲ 0.50% · 4.625%
HK$8,692
+HK$435/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$16,514/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,053
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,335
−HK$286/mo
Today · 4.125%
HK$9,621
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$585/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,242/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,072
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,342
−HK$274/mo
Today · 4.125%
HK$10,616
baseline
▲ 0.50% · 4.625%
HK$11,175
+HK$559/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,232/mo (50% DSR)
Upfront cash ≈ HK$221K (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).