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$5,027
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,183
−HK$159/mo
Today · 4.125%
HK$5,342
baseline
▲ 0.50% · 4.625%
HK$5,667
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,684/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$5,592
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,742
−HK$152/mo
Today · 4.125%
HK$5,894
baseline
▲ 0.50% · 4.625%
HK$6,205
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,788/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$6,032
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,220
−HK$190/mo
Today · 4.125%
HK$6,410
baseline
▲ 0.50% · 4.625%
HK$6,800
+HK$390/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$12,820/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$6,710
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,890
−HK$183/mo
Today · 4.125%
HK$7,073
baseline
▲ 0.50% · 4.625%
HK$7,446
+HK$373/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$14,146/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$7,037
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,256
−HK$223/mo
Today · 4.125%
HK$7,479
baseline
▲ 0.50% · 4.625%
HK$7,934
+HK$455/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$14,958/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$7,829
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,039
−HK$213/mo
Today · 4.125%
HK$8,252
baseline
▲ 0.50% · 4.625%
HK$8,687
+HK$435/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$16,504/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$9,048
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$286/mo
Today · 4.125%
HK$9,615
baseline
▲ 0.50% · 4.625%
HK$10,200
+HK$585/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,230/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$10,066
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,336
−HK$273/mo
Today · 4.125%
HK$10,609
baseline
▲ 0.50% · 4.625%
HK$11,169
+HK$560/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,218/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).