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$321/mo
▼ 0.25% · 3.875%
HK$5,270
−HK$162/mo
Today · 4.125%
HK$5,432
baseline
▲ 0.50% · 4.625%
HK$5,762
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,864/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$308/mo
▼ 0.25% · 3.875%
HK$5,839
−HK$155/mo
Today · 4.125%
HK$5,994
baseline
▲ 0.50% · 4.625%
HK$6,309
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,988/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$6,134
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,324
−HK$194/mo
Today · 4.125%
HK$6,518
baseline
▲ 0.50% · 4.625%
HK$6,915
+HK$397/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$6,824
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,007
−HK$185/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$7,156
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,379
−HK$226/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,067
+HK$462/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,210/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$7,961
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,174
−HK$217/mo
Today · 4.125%
HK$8,391
baseline
▲ 0.50% · 4.625%
HK$8,833
+HK$442/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,782/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$577/mo
▼ 0.25% · 3.875%
HK$9,487
−HK$290/mo
Today · 4.125%
HK$9,777
baseline
▲ 0.50% · 4.625%
HK$10,372
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,554/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$10,235
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,510
−HK$278/mo
Today · 4.125%
HK$10,788
baseline
▲ 0.50% · 4.625%
HK$11,357
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,576/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).