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$5,112
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,271
−HK$161/mo
Today · 4.125%
HK$5,432
baseline
▲ 0.50% · 4.625%
HK$5,763
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,864/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$5,687
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,839
−HK$155/mo
Today · 4.125%
HK$5,994
baseline
▲ 0.50% · 4.625%
HK$6,310
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,988/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$6,134
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,325
−HK$194/mo
Today · 4.125%
HK$6,519
baseline
▲ 0.50% · 4.625%
HK$6,916
+HK$397/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$13,038/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$6,824
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,007
−HK$186/mo
Today · 4.125%
HK$7,193
baseline
▲ 0.50% · 4.625%
HK$7,572
+HK$379/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$14,386/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$7,157
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,379
−HK$226/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,068
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,210/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$7,962
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,175
−HK$217/mo
Today · 4.125%
HK$8,392
baseline
▲ 0.50% · 4.625%
HK$8,834
+HK$442/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,784/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$9,201
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,488
−HK$290/mo
Today · 4.125%
HK$9,778
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,556/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$10,236
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$279/mo
Today · 4.125%
HK$10,790
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$568/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,580/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).