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$5,088
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,247
−HK$160/mo
Today · 4.125%
HK$5,407
baseline
▲ 0.50% · 4.625%
HK$5,736
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,814/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$5,661
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,813
−HK$154/mo
Today · 4.125%
HK$5,967
baseline
▲ 0.50% · 4.625%
HK$6,281
+HK$314/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,934/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$6,106
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$193/mo
Today · 4.125%
HK$6,489
baseline
▲ 0.50% · 4.625%
HK$6,884
+HK$395/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$12,978/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,793
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$185/mo
Today · 4.125%
HK$7,160
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$377/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$14,320/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,124
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,345
−HK$225/mo
Today · 4.125%
HK$7,570
baseline
▲ 0.50% · 4.625%
HK$8,031
+HK$461/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$15,140/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,925
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,138
−HK$215/mo
Today · 4.125%
HK$8,353
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$441/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,706/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,159
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,444
−HK$289/mo
Today · 4.125%
HK$9,733
baseline
▲ 0.50% · 4.625%
HK$10,326
+HK$593/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,466/mo (50% DSR)
Upfront cash ≈ HK$223K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,189
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,463
−HK$277/mo
Today · 4.125%
HK$10,740
baseline
▲ 0.50% · 4.625%
HK$11,306
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,480/mo (50% DSR)
Upfront cash ≈ HK$223K (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).