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$5,020
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,176
−HK$159/mo
Today · 4.125%
HK$5,335
baseline
▲ 0.50% · 4.625%
HK$5,659
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,670/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$5,585
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,734
−HK$152/mo
Today · 4.125%
HK$5,886
baseline
▲ 0.50% · 4.625%
HK$6,197
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,772/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$6,024
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,211
−HK$191/mo
Today · 4.125%
HK$6,402
baseline
▲ 0.50% · 4.625%
HK$6,791
+HK$389/mo
Deposit HK$881K · loan HK$1.32M · min. income ≈ HK$12,804/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,701
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,881
−HK$182/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,436
+HK$373/mo
Deposit HK$881K · loan HK$1.32M · min. income ≈ HK$14,126/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,028
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,246
−HK$222/mo
Today · 4.125%
HK$7,468
baseline
▲ 0.50% · 4.625%
HK$7,923
+HK$455/mo
Deposit HK$660K · loan HK$1.54M · min. income ≈ HK$14,936/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,818
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$213/mo
Today · 4.125%
HK$8,241
baseline
▲ 0.50% · 4.625%
HK$8,675
+HK$434/mo
Deposit HK$660K · loan HK$1.54M · min. income ≈ HK$16,482/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,036
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,317
−HK$285/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,187
+HK$585/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,204/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$10,052
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,322
−HK$273/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,154
+HK$559/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,190/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).