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$5,118
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,277
−HK$162/mo
Today · 4.125%
HK$5,439
baseline
▲ 0.50% · 4.625%
HK$5,769
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,878/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$5,693
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$155/mo
Today · 4.125%
HK$6,001
baseline
▲ 0.50% · 4.625%
HK$6,317
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,002/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$6,141
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,332
−HK$194/mo
Today · 4.125%
HK$6,526
baseline
▲ 0.50% · 4.625%
HK$6,923
+HK$397/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$13,052/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,832
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,015
−HK$186/mo
Today · 4.125%
HK$7,201
baseline
▲ 0.50% · 4.625%
HK$7,581
+HK$380/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$14,402/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,165
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,388
−HK$226/mo
Today · 4.125%
HK$7,614
baseline
▲ 0.50% · 4.625%
HK$8,077
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,228/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,971
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,184
−HK$217/mo
Today · 4.125%
HK$8,401
baseline
▲ 0.50% · 4.625%
HK$8,844
+HK$443/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,802/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,212
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,498
−HK$291/mo
Today · 4.125%
HK$9,789
baseline
▲ 0.50% · 4.625%
HK$10,385
+HK$596/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,578/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$10,248
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$279/mo
Today · 4.125%
HK$10,802
baseline
▲ 0.50% · 4.625%
HK$11,371
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,604/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).