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$5,121
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,280
−HK$162/mo
Today · 4.125%
HK$5,442
baseline
▲ 0.50% · 4.625%
HK$5,773
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,884/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$5,697
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,850
−HK$155/mo
Today · 4.125%
HK$6,005
baseline
▲ 0.50% · 4.625%
HK$6,322
+HK$317/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,010/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$6,145
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,336
−HK$195/mo
Today · 4.125%
HK$6,531
baseline
▲ 0.50% · 4.625%
HK$6,928
+HK$397/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$13,062/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$6,837
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,020
−HK$186/mo
Today · 4.125%
HK$7,206
baseline
▲ 0.50% · 4.625%
HK$7,586
+HK$380/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$14,412/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$7,170
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$226/mo
Today · 4.125%
HK$7,619
baseline
▲ 0.50% · 4.625%
HK$8,083
+HK$464/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$15,238/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$7,976
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,190
−HK$217/mo
Today · 4.125%
HK$8,407
baseline
▲ 0.50% · 4.625%
HK$8,850
+HK$443/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$16,814/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$9,218
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,505
−HK$291/mo
Today · 4.125%
HK$9,796
baseline
▲ 0.50% · 4.625%
HK$10,392
+HK$596/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,592/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$10,255
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$279/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,379
+HK$570/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,618/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).