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$5,009
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,164
−HK$159/mo
Today · 4.125%
HK$5,323
baseline
▲ 0.50% · 4.625%
HK$5,647
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,646/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$5,572
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,721
−HK$152/mo
Today · 4.125%
HK$5,873
baseline
▲ 0.50% · 4.625%
HK$6,183
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,746/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$6,010
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,197
−HK$190/mo
Today · 4.125%
HK$6,387
baseline
▲ 0.50% · 4.625%
HK$6,776
+HK$389/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$12,774/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,686
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,866
−HK$182/mo
Today · 4.125%
HK$7,048
baseline
▲ 0.50% · 4.625%
HK$7,419
+HK$371/mo
Deposit HK$879K · loan HK$1.32M · min. income ≈ HK$14,096/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,012
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,230
−HK$222/mo
Today · 4.125%
HK$7,452
baseline
▲ 0.50% · 4.625%
HK$7,905
+HK$453/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,904/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,801
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,010
−HK$212/mo
Today · 4.125%
HK$8,222
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$434/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,444/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,015
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,296
−HK$285/mo
Today · 4.125%
HK$9,581
baseline
▲ 0.50% · 4.625%
HK$10,164
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,162/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$10,030
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,299
−HK$272/mo
Today · 4.125%
HK$10,571
baseline
▲ 0.50% · 4.625%
HK$11,129
+HK$558/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,142/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).