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$313/mo
▼ 0.25% · 3.875%
HK$5,151
−HK$158/mo
Today · 4.125%
HK$5,309
baseline
▲ 0.50% · 4.625%
HK$5,632
+HK$323/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,618/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$5,558
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,707
−HK$151/mo
Today · 4.125%
HK$5,858
baseline
▲ 0.50% · 4.625%
HK$6,167
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,716/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$5,995
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,181
−HK$190/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,758
+HK$387/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$12,742/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,669
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$181/mo
Today · 4.125%
HK$7,029
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$371/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$14,058/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,994
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,212
−HK$221/mo
Today · 4.125%
HK$7,433
baseline
▲ 0.50% · 4.625%
HK$7,885
+HK$452/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$14,866/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$7,781
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,989
−HK$212/mo
Today · 4.125%
HK$8,201
baseline
▲ 0.50% · 4.625%
HK$8,633
+HK$432/mo
Deposit HK$657K · loan HK$1.53M · min. income ≈ HK$16,402/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$8,992
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,272
−HK$284/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,138
+HK$582/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,112/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$10,004
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,272
−HK$272/mo
Today · 4.125%
HK$10,544
baseline
▲ 0.50% · 4.625%
HK$11,100
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,088/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).