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$5,120
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,279
−HK$162/mo
Today · 4.125%
HK$5,441
baseline
▲ 0.50% · 4.625%
HK$5,772
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,882/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$5,695
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,848
−HK$155/mo
Today · 4.125%
HK$6,003
baseline
▲ 0.50% · 4.625%
HK$6,320
+HK$317/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,006/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$6,143
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,335
−HK$194/mo
Today · 4.125%
HK$6,529
baseline
▲ 0.50% · 4.625%
HK$6,926
+HK$397/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$13,058/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,835
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,018
−HK$186/mo
Today · 4.125%
HK$7,204
baseline
▲ 0.50% · 4.625%
HK$7,584
+HK$380/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$14,408/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,167
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,390
−HK$227/mo
Today · 4.125%
HK$7,617
baseline
▲ 0.50% · 4.625%
HK$8,080
+HK$463/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$15,234/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,974
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$216/mo
Today · 4.125%
HK$8,404
baseline
▲ 0.50% · 4.625%
HK$8,847
+HK$443/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$16,808/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,215
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,502
−HK$291/mo
Today · 4.125%
HK$9,793
baseline
▲ 0.50% · 4.625%
HK$10,389
+HK$596/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,586/mo (50% DSR)
Upfront cash ≈ HK$225K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,252
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,527
−HK$279/mo
Today · 4.125%
HK$10,806
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$569/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,612/mo (50% DSR)
Upfront cash ≈ HK$225K (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).