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$5,034
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,190
−HK$160/mo
Today · 4.125%
HK$5,350
baseline
▲ 0.50% · 4.625%
HK$5,675
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,700/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$5,600
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,750
−HK$153/mo
Today · 4.125%
HK$5,903
baseline
▲ 0.50% · 4.625%
HK$6,214
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,806/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$6,041
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,229
−HK$190/mo
Today · 4.125%
HK$6,419
baseline
▲ 0.50% · 4.625%
HK$6,810
+HK$391/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$12,838/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$6,720
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,900
−HK$183/mo
Today · 4.125%
HK$7,083
baseline
▲ 0.50% · 4.625%
HK$7,457
+HK$374/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$14,166/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$7,047
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,267
−HK$222/mo
Today · 4.125%
HK$7,489
baseline
▲ 0.50% · 4.625%
HK$7,945
+HK$456/mo
Deposit HK$662K · loan HK$1.55M · min. income ≈ HK$14,978/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$7,840
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,050
−HK$214/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,699
+HK$435/mo
Deposit HK$662K · loan HK$1.55M · min. income ≈ HK$16,528/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$9,061
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$286/mo
Today · 4.125%
HK$9,629
baseline
▲ 0.50% · 4.625%
HK$10,215
+HK$586/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,258/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$10,080
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$274/mo
Today · 4.125%
HK$10,625
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,250/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).