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$5,119
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,278
−HK$162/mo
Today · 4.125%
HK$5,440
baseline
▲ 0.50% · 4.625%
HK$5,771
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,880/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$5,695
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,848
−HK$155/mo
Today · 4.125%
HK$6,003
baseline
▲ 0.50% · 4.625%
HK$6,319
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,006/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$6,143
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,334
−HK$194/mo
Today · 4.125%
HK$6,528
baseline
▲ 0.50% · 4.625%
HK$6,925
+HK$397/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$13,056/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$6,834
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,017
−HK$186/mo
Today · 4.125%
HK$7,203
baseline
▲ 0.50% · 4.625%
HK$7,583
+HK$380/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$14,406/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$7,167
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,390
−HK$226/mo
Today · 4.125%
HK$7,616
baseline
▲ 0.50% · 4.625%
HK$8,079
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,232/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$7,973
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,187
−HK$217/mo
Today · 4.125%
HK$8,404
baseline
▲ 0.50% · 4.625%
HK$8,847
+HK$443/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,808/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$9,214
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,501
−HK$291/mo
Today · 4.125%
HK$9,792
baseline
▲ 0.50% · 4.625%
HK$10,388
+HK$596/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,584/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$10,251
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$279/mo
Today · 4.125%
HK$10,805
baseline
▲ 0.50% · 4.625%
HK$11,374
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,610/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).