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$5,191
−HK$159/mo
Today · 4.125%
HK$5,350
baseline
▲ 0.50% · 4.625%
HK$5,676
+HK$326/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$5,601
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,751
−HK$152/mo
Today · 4.125%
HK$5,903
baseline
▲ 0.50% · 4.625%
HK$6,215
+HK$312/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$379/mo
▼ 0.25% · 3.875%
HK$6,229
−HK$191/mo
Today · 4.125%
HK$6,420
baseline
▲ 0.50% · 4.625%
HK$6,811
+HK$391/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$12,840/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$6,721
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,901
−HK$183/mo
Today · 4.125%
HK$7,084
baseline
▲ 0.50% · 4.625%
HK$7,457
+HK$373/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$14,168/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$7,048
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,267
−HK$223/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,946
+HK$456/mo
Deposit HK$662K · loan HK$1.55M · min. income ≈ HK$14,980/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$7,841
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,051
−HK$214/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,700
+HK$435/mo
Deposit HK$662K · loan HK$1.55M · min. income ≈ HK$16,530/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$9,062
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,344
−HK$286/mo
Today · 4.125%
HK$9,630
baseline
▲ 0.50% · 4.625%
HK$10,216
+HK$586/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,260/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$10,081
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,352
−HK$274/mo
Today · 4.125%
HK$10,626
baseline
▲ 0.50% · 4.625%
HK$11,186
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,252/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).