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$5,028
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,185
−HK$159/mo
Today · 4.125%
HK$5,344
baseline
▲ 0.50% · 4.625%
HK$5,669
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,688/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$5,594
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,744
−HK$152/mo
Today · 4.125%
HK$5,896
baseline
▲ 0.50% · 4.625%
HK$6,207
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,792/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$6,034
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,222
−HK$190/mo
Today · 4.125%
HK$6,412
baseline
▲ 0.50% · 4.625%
HK$6,803
+HK$391/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$12,824/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$6,713
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$182/mo
Today · 4.125%
HK$7,075
baseline
▲ 0.50% · 4.625%
HK$7,448
+HK$373/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$14,150/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$7,040
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$222/mo
Today · 4.125%
HK$7,481
baseline
▲ 0.50% · 4.625%
HK$7,936
+HK$455/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$14,962/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$7,832
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$213/mo
Today · 4.125%
HK$8,255
baseline
▲ 0.50% · 4.625%
HK$8,690
+HK$435/mo
Deposit HK$662K · loan HK$1.54M · min. income ≈ HK$16,510/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$9,051
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,333
−HK$286/mo
Today · 4.125%
HK$9,619
baseline
▲ 0.50% · 4.625%
HK$10,204
+HK$585/mo
Deposit HK$221K · loan HK$1.98M · min. income ≈ HK$19,238/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$10,069
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$274/mo
Today · 4.125%
HK$10,613
baseline
▲ 0.50% · 4.625%
HK$11,173
+HK$560/mo
Deposit HK$221K · loan HK$1.98M · min. income ≈ HK$21,226/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).