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$5,033
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,189
−HK$159/mo
Today · 4.125%
HK$5,348
baseline
▲ 0.50% · 4.625%
HK$5,674
+HK$326/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,696/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$5,599
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,749
−HK$152/mo
Today · 4.125%
HK$5,901
baseline
▲ 0.50% · 4.625%
HK$6,212
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,802/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$6,039
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,227
−HK$191/mo
Today · 4.125%
HK$6,418
baseline
▲ 0.50% · 4.625%
HK$6,808
+HK$390/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$12,836/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,718
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,899
−HK$182/mo
Today · 4.125%
HK$7,081
baseline
▲ 0.50% · 4.625%
HK$7,455
+HK$374/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$14,162/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,046
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,265
−HK$222/mo
Today · 4.125%
HK$7,487
baseline
▲ 0.50% · 4.625%
HK$7,943
+HK$456/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$14,974/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$7,838
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,048
−HK$214/mo
Today · 4.125%
HK$8,262
baseline
▲ 0.50% · 4.625%
HK$8,697
+HK$435/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$16,524/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$9,059
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,340
−HK$287/mo
Today · 4.125%
HK$9,627
baseline
▲ 0.50% · 4.625%
HK$10,212
+HK$585/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,254/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$10,078
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,348
−HK$274/mo
Today · 4.125%
HK$10,622
baseline
▲ 0.50% · 4.625%
HK$11,182
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,244/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).