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$5,152
−HK$157/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$6,182
−HK$189/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,759
+HK$388/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$12,742/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$360/mo
▼ 0.25% · 3.875%
HK$6,849
−HK$181/mo
Today · 4.125%
HK$7,030
baseline
▲ 0.50% · 4.625%
HK$7,401
+HK$371/mo
Deposit HK$876K · loan HK$1.31M · min. income ≈ HK$14,060/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$438/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$421/mo
▼ 0.25% · 3.875%
HK$7,990
−HK$212/mo
Today · 4.125%
HK$8,202
baseline
▲ 0.50% · 4.625%
HK$8,634
+HK$432/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$8,993
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,273
−HK$284/mo
Today · 4.125%
HK$9,557
baseline
▲ 0.50% · 4.625%
HK$10,138
+HK$581/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,114/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$540/mo
▼ 0.25% · 3.875%
HK$10,273
−HK$272/mo
Today · 4.125%
HK$10,545
baseline
▲ 0.50% · 4.625%
HK$11,101
+HK$556/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,090/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).