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$5,111
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,270
−HK$161/mo
Today · 4.125%
HK$5,431
baseline
▲ 0.50% · 4.625%
HK$5,762
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,862/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$5,686
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,838
−HK$155/mo
Today · 4.125%
HK$5,993
baseline
▲ 0.50% · 4.625%
HK$6,309
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,986/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$6,133
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,324
−HK$194/mo
Today · 4.125%
HK$6,518
baseline
▲ 0.50% · 4.625%
HK$6,914
+HK$396/mo
Deposit HK$897K · loan HK$1.34M · min. income ≈ HK$13,036/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,823
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,006
−HK$186/mo
Today · 4.125%
HK$7,192
baseline
▲ 0.50% · 4.625%
HK$7,571
+HK$379/mo
Deposit HK$897K · loan HK$1.34M · min. income ≈ HK$14,384/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,155
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,378
−HK$226/mo
Today · 4.125%
HK$7,604
baseline
▲ 0.50% · 4.625%
HK$8,067
+HK$463/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,208/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$7,960
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,174
−HK$216/mo
Today · 4.125%
HK$8,390
baseline
▲ 0.50% · 4.625%
HK$8,832
+HK$442/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,780/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$9,200
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$290/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,371
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,552/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$10,234
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$278/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,356
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,574/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).