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$5,101
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,260
−HK$161/mo
Today · 4.125%
HK$5,421
baseline
▲ 0.50% · 4.625%
HK$5,751
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,842/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$5,675
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,828
−HK$154/mo
Today · 4.125%
HK$5,982
baseline
▲ 0.50% · 4.625%
HK$6,297
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,964/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$6,122
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,312
−HK$194/mo
Today · 4.125%
HK$6,506
baseline
▲ 0.50% · 4.625%
HK$6,901
+HK$395/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$13,012/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,810
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$185/mo
Today · 4.125%
HK$7,178
baseline
▲ 0.50% · 4.625%
HK$7,557
+HK$379/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$14,356/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,142
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,364
−HK$226/mo
Today · 4.125%
HK$7,590
baseline
▲ 0.50% · 4.625%
HK$8,052
+HK$462/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$15,180/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$7,945
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,159
−HK$216/mo
Today · 4.125%
HK$8,375
baseline
▲ 0.50% · 4.625%
HK$8,816
+HK$441/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$16,750/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$9,183
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$290/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,352
+HK$594/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$19,516/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$10,216
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,490
−HK$277/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,335
+HK$568/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$21,534/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).