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$5,113
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,272
−HK$162/mo
Today · 4.125%
HK$5,434
baseline
▲ 0.50% · 4.625%
HK$5,765
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,868/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,688
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,841
−HK$155/mo
Today · 4.125%
HK$5,996
baseline
▲ 0.50% · 4.625%
HK$6,312
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,992/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,136
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,327
−HK$194/mo
Today · 4.125%
HK$6,521
baseline
▲ 0.50% · 4.625%
HK$6,917
+HK$396/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$13,042/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,826
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,009
−HK$186/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,574
+HK$379/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$14,390/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,159
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,381
−HK$226/mo
Today · 4.125%
HK$7,607
baseline
▲ 0.50% · 4.625%
HK$8,070
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,214/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,964
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,177
−HK$217/mo
Today · 4.125%
HK$8,394
baseline
▲ 0.50% · 4.625%
HK$8,837
+HK$443/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,788/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,204
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,490
−HK$291/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,376
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,562/mo (50% DSR)
Upfront cash ≈ HK$224K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,239
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$278/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,361
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,584/mo (50% DSR)
Upfront cash ≈ HK$224K (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).