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$5,115
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,274
−HK$161/mo
Today · 4.125%
HK$5,435
baseline
▲ 0.50% · 4.625%
HK$5,766
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,870/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$5,690
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,842
−HK$155/mo
Today · 4.125%
HK$5,997
baseline
▲ 0.50% · 4.625%
HK$6,313
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,994/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$6,137
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,328
−HK$194/mo
Today · 4.125%
HK$6,522
baseline
▲ 0.50% · 4.625%
HK$6,919
+HK$397/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$13,044/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$6,828
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,011
−HK$186/mo
Today · 4.125%
HK$7,197
baseline
▲ 0.50% · 4.625%
HK$7,576
+HK$379/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$14,394/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$7,160
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,383
−HK$226/mo
Today · 4.125%
HK$7,609
baseline
▲ 0.50% · 4.625%
HK$8,072
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,218/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$7,966
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$217/mo
Today · 4.125%
HK$8,396
baseline
▲ 0.50% · 4.625%
HK$8,839
+HK$443/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,792/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$9,206
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,493
−HK$290/mo
Today · 4.125%
HK$9,783
baseline
▲ 0.50% · 4.625%
HK$10,379
+HK$596/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,566/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$10,242
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,516
−HK$279/mo
Today · 4.125%
HK$10,795
baseline
▲ 0.50% · 4.625%
HK$11,364
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,590/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).