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$5,102
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,261
−HK$161/mo
Today · 4.125%
HK$5,422
baseline
▲ 0.50% · 4.625%
HK$5,752
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,844/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$5,676
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,828
−HK$155/mo
Today · 4.125%
HK$5,983
baseline
▲ 0.50% · 4.625%
HK$6,298
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,966/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$6,123
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,313
−HK$193/mo
Today · 4.125%
HK$6,506
baseline
▲ 0.50% · 4.625%
HK$6,902
+HK$396/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$13,012/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,811
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,994
−HK$185/mo
Today · 4.125%
HK$7,179
baseline
▲ 0.50% · 4.625%
HK$7,558
+HK$379/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$14,358/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,143
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,365
−HK$226/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$8,053
+HK$462/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$15,182/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,946
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,160
−HK$216/mo
Today · 4.125%
HK$8,376
baseline
▲ 0.50% · 4.625%
HK$8,817
+HK$441/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$16,752/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,184
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,469
−HK$291/mo
Today · 4.125%
HK$9,760
baseline
▲ 0.50% · 4.625%
HK$10,354
+HK$594/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$19,520/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$10,217
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$278/mo
Today · 4.125%
HK$10,769
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$568/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$21,538/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).