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$5,096
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,255
−HK$161/mo
Today · 4.125%
HK$5,416
baseline
▲ 0.50% · 4.625%
HK$5,745
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,832/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$5,669
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,821
−HK$155/mo
Today · 4.125%
HK$5,976
baseline
▲ 0.50% · 4.625%
HK$6,291
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,952/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$6,115
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,306
−HK$193/mo
Today · 4.125%
HK$6,499
baseline
▲ 0.50% · 4.625%
HK$6,894
+HK$395/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$12,998/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,803
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,986
−HK$185/mo
Today · 4.125%
HK$7,171
baseline
▲ 0.50% · 4.625%
HK$7,549
+HK$378/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$14,342/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,135
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,356
−HK$226/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$8,043
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,164/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,937
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$216/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,807
+HK$441/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,732/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,173
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$290/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,341
+HK$593/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,496/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$10,205
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,479
−HK$277/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$567/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,512/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).