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$5,085
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,243
−HK$161/mo
Today · 4.125%
HK$5,404
baseline
▲ 0.50% · 4.625%
HK$5,733
+HK$329/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,808/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$5,657
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,809
−HK$153/mo
Today · 4.125%
HK$5,962
baseline
▲ 0.50% · 4.625%
HK$6,277
+HK$315/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,924/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$6,102
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,292
−HK$192/mo
Today · 4.125%
HK$6,484
baseline
▲ 0.50% · 4.625%
HK$6,879
+HK$395/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$12,968/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,788
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,970
−HK$185/mo
Today · 4.125%
HK$7,155
baseline
▲ 0.50% · 4.625%
HK$7,532
+HK$377/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$14,310/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,119
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,340
−HK$225/mo
Today · 4.125%
HK$7,565
baseline
▲ 0.50% · 4.625%
HK$8,026
+HK$461/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$15,130/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,920
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,132
−HK$215/mo
Today · 4.125%
HK$8,347
baseline
▲ 0.50% · 4.625%
HK$8,787
+HK$440/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,694/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,153
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,437
−HK$290/mo
Today · 4.125%
HK$9,727
baseline
▲ 0.50% · 4.625%
HK$10,319
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,454/mo (50% DSR)
Upfront cash ≈ HK$223K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,182
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$277/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,298
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,464/mo (50% DSR)
Upfront cash ≈ HK$223K (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).