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$5,094
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,252
−HK$161/mo
Today · 4.125%
HK$5,413
baseline
▲ 0.50% · 4.625%
HK$5,742
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,826/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$5,666
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,818
−HK$155/mo
Today · 4.125%
HK$5,973
baseline
▲ 0.50% · 4.625%
HK$6,287
+HK$314/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,946/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$6,112
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,302
−HK$194/mo
Today · 4.125%
HK$6,496
baseline
▲ 0.50% · 4.625%
HK$6,891
+HK$395/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$12,992/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$6,800
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,982
−HK$185/mo
Today · 4.125%
HK$7,167
baseline
▲ 0.50% · 4.625%
HK$7,545
+HK$378/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$14,334/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$7,131
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,353
−HK$225/mo
Today · 4.125%
HK$7,578
baseline
▲ 0.50% · 4.625%
HK$8,039
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,156/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,933
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,146
−HK$216/mo
Today · 4.125%
HK$8,362
baseline
▲ 0.50% · 4.625%
HK$8,802
+HK$440/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,724/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,168
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,454
−HK$289/mo
Today · 4.125%
HK$9,743
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$593/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,486/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$10,200
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,473
−HK$278/mo
Today · 4.125%
HK$10,751
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,502/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).