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$5,125
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,285
−HK$162/mo
Today · 4.125%
HK$5,447
baseline
▲ 0.50% · 4.625%
HK$5,778
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,894/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$5,702
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,855
−HK$155/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,327
+HK$317/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,020/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$6,150
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,342
−HK$194/mo
Today · 4.125%
HK$6,536
baseline
▲ 0.50% · 4.625%
HK$6,934
+HK$398/mo
Deposit HK$899K · loan HK$1.35M · min. income ≈ HK$13,072/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,842
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,026
−HK$186/mo
Today · 4.125%
HK$7,212
baseline
▲ 0.50% · 4.625%
HK$7,592
+HK$380/mo
Deposit HK$899K · loan HK$1.35M · min. income ≈ HK$14,424/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,175
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,399
−HK$226/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,089
+HK$464/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$15,250/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$7,983
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,197
−HK$217/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,857
+HK$443/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$16,828/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$9,225
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,512
−HK$292/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,401
+HK$597/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,608/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$10,263
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,538
−HK$280/mo
Today · 4.125%
HK$10,818
baseline
▲ 0.50% · 4.625%
HK$11,388
+HK$570/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,636/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).