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$5,091
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,249
−HK$161/mo
Today · 4.125%
HK$5,410
baseline
▲ 0.50% · 4.625%
HK$5,739
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,820/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$5,663
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,815
−HK$154/mo
Today · 4.125%
HK$5,969
baseline
▲ 0.50% · 4.625%
HK$6,284
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,938/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$6,109
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,299
−HK$193/mo
Today · 4.125%
HK$6,492
baseline
▲ 0.50% · 4.625%
HK$6,887
+HK$395/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$12,984/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,796
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,978
−HK$185/mo
Today · 4.125%
HK$7,163
baseline
▲ 0.50% · 4.625%
HK$7,541
+HK$378/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$14,326/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,127
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,348
−HK$226/mo
Today · 4.125%
HK$7,574
baseline
▲ 0.50% · 4.625%
HK$8,035
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,148/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$7,928
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,141
−HK$216/mo
Today · 4.125%
HK$8,357
baseline
▲ 0.50% · 4.625%
HK$8,797
+HK$440/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,714/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$9,163
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,448
−HK$290/mo
Today · 4.125%
HK$9,738
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,476/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$10,194
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$278/mo
Today · 4.125%
HK$10,745
baseline
▲ 0.50% · 4.625%
HK$11,311
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,490/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).