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$5,108
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,267
−HK$161/mo
Today · 4.125%
HK$5,428
baseline
▲ 0.50% · 4.625%
HK$5,758
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,856/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$5,682
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,835
−HK$154/mo
Today · 4.125%
HK$5,989
baseline
▲ 0.50% · 4.625%
HK$6,305
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,978/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$6,129
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,320
−HK$194/mo
Today · 4.125%
HK$6,514
baseline
▲ 0.50% · 4.625%
HK$6,910
+HK$396/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$13,028/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,819
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,002
−HK$185/mo
Today · 4.125%
HK$7,187
baseline
▲ 0.50% · 4.625%
HK$7,566
+HK$379/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$14,374/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,151
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,373
−HK$226/mo
Today · 4.125%
HK$7,599
baseline
▲ 0.50% · 4.625%
HK$8,061
+HK$462/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,198/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,955
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$217/mo
Today · 4.125%
HK$8,385
baseline
▲ 0.50% · 4.625%
HK$8,827
+HK$442/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,770/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,194
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,480
−HK$290/mo
Today · 4.125%
HK$9,770
baseline
▲ 0.50% · 4.625%
HK$10,365
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,540/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$10,228
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,502
−HK$279/mo
Today · 4.125%
HK$10,781
baseline
▲ 0.50% · 4.625%
HK$11,349
+HK$568/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,562/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).