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$4,996
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,152
−HK$158/mo
Today · 4.125%
HK$5,310
baseline
▲ 0.50% · 4.625%
HK$5,633
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,620/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$5,559
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,708
−HK$151/mo
Today · 4.125%
HK$5,859
baseline
▲ 0.50% · 4.625%
HK$6,168
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,718/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$5,996
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,182
−HK$190/mo
Today · 4.125%
HK$6,372
baseline
▲ 0.50% · 4.625%
HK$6,759
+HK$387/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$12,744/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,670
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,849
−HK$182/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,401
+HK$370/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$14,062/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,995
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,213
−HK$221/mo
Today · 4.125%
HK$7,434
baseline
▲ 0.50% · 4.625%
HK$7,886
+HK$452/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$14,868/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,782
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,991
−HK$211/mo
Today · 4.125%
HK$8,202
baseline
▲ 0.50% · 4.625%
HK$8,635
+HK$433/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$16,404/mo (50% DSR)
Upfront cash ≈ HK$657K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,994
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,273
−HK$285/mo
Today · 4.125%
HK$9,558
baseline
▲ 0.50% · 4.625%
HK$10,139
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,116/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,005
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,274
−HK$272/mo
Today · 4.125%
HK$10,546
baseline
▲ 0.50% · 4.625%
HK$11,102
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,092/mo (50% DSR)
Upfront cash ≈ HK$219K (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).