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$5,112
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,271
−HK$162/mo
Today · 4.125%
HK$5,433
baseline
▲ 0.50% · 4.625%
HK$5,764
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,866/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$5,688
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,840
−HK$155/mo
Today · 4.125%
HK$5,995
baseline
▲ 0.50% · 4.625%
HK$6,311
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,990/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$6,135
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,326
−HK$194/mo
Today · 4.125%
HK$6,520
baseline
▲ 0.50% · 4.625%
HK$6,916
+HK$396/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$13,040/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$6,825
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,008
−HK$186/mo
Today · 4.125%
HK$7,194
baseline
▲ 0.50% · 4.625%
HK$7,573
+HK$379/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$14,388/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$7,157
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,380
−HK$226/mo
Today · 4.125%
HK$7,606
baseline
▲ 0.50% · 4.625%
HK$8,069
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,212/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$7,963
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$217/mo
Today · 4.125%
HK$8,393
baseline
▲ 0.50% · 4.625%
HK$8,835
+HK$442/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,786/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$9,202
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$291/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,560/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$10,238
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,512
−HK$279/mo
Today · 4.125%
HK$10,791
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,582/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).