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$5,024
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,180
−HK$159/mo
Today · 4.125%
HK$5,339
baseline
▲ 0.50% · 4.625%
HK$5,663
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,678/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$5,589
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,739
−HK$152/mo
Today · 4.125%
HK$5,891
baseline
▲ 0.50% · 4.625%
HK$6,201
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,782/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$6,028
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,216
−HK$190/mo
Today · 4.125%
HK$6,406
baseline
▲ 0.50% · 4.625%
HK$6,796
+HK$390/mo
Deposit HK$881K · loan HK$1.32M · min. income ≈ HK$12,812/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$6,706
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,886
−HK$183/mo
Today · 4.125%
HK$7,069
baseline
▲ 0.50% · 4.625%
HK$7,441
+HK$372/mo
Deposit HK$881K · loan HK$1.32M · min. income ≈ HK$14,138/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$7,033
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$222/mo
Today · 4.125%
HK$7,474
baseline
▲ 0.50% · 4.625%
HK$7,929
+HK$455/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$14,948/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$7,824
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,034
−HK$213/mo
Today · 4.125%
HK$8,247
baseline
▲ 0.50% · 4.625%
HK$8,682
+HK$435/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$16,494/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$9,042
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,324
−HK$286/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$584/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,220/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$10,060
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$274/mo
Today · 4.125%
HK$10,603
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$559/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,206/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).