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$5,116
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,275
−HK$162/mo
Today · 4.125%
HK$5,437
baseline
▲ 0.50% · 4.625%
HK$5,767
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,874/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$5,691
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,844
−HK$155/mo
Today · 4.125%
HK$5,999
baseline
▲ 0.50% · 4.625%
HK$6,315
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,998/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$6,139
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,330
−HK$194/mo
Today · 4.125%
HK$6,524
baseline
▲ 0.50% · 4.625%
HK$6,921
+HK$397/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$13,048/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$6,830
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,013
−HK$186/mo
Today · 4.125%
HK$7,199
baseline
▲ 0.50% · 4.625%
HK$7,578
+HK$379/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$14,398/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$7,162
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,385
−HK$226/mo
Today · 4.125%
HK$7,611
baseline
▲ 0.50% · 4.625%
HK$8,074
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,222/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$7,968
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,182
−HK$216/mo
Today · 4.125%
HK$8,398
baseline
▲ 0.50% · 4.625%
HK$8,841
+HK$443/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,796/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$9,209
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$291/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,572/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$10,244
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$279/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,367
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,596/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).