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$5,127
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,286
−HK$162/mo
Today · 4.125%
HK$5,448
baseline
▲ 0.50% · 4.625%
HK$5,780
+HK$332/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,896/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$5,703
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$156/mo
Today · 4.125%
HK$6,012
baseline
▲ 0.50% · 4.625%
HK$6,328
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,024/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$6,152
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,343
−HK$195/mo
Today · 4.125%
HK$6,538
baseline
▲ 0.50% · 4.625%
HK$6,936
+HK$398/mo
Deposit HK$899K · loan HK$1.35M · min. income ≈ HK$13,076/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,844
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,028
−HK$186/mo
Today · 4.125%
HK$7,214
baseline
▲ 0.50% · 4.625%
HK$7,594
+HK$380/mo
Deposit HK$899K · loan HK$1.35M · min. income ≈ HK$14,428/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,177
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,401
−HK$227/mo
Today · 4.125%
HK$7,628
baseline
▲ 0.50% · 4.625%
HK$8,092
+HK$464/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$15,256/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,985
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,199
−HK$217/mo
Today · 4.125%
HK$8,416
baseline
▲ 0.50% · 4.625%
HK$8,860
+HK$444/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$16,832/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,228
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$292/mo
Today · 4.125%
HK$9,807
baseline
▲ 0.50% · 4.625%
HK$10,404
+HK$597/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,614/mo (50% DSR)
Upfront cash ≈ HK$225K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,266
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,542
−HK$279/mo
Today · 4.125%
HK$10,821
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$570/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,642/mo (50% DSR)
Upfront cash ≈ HK$225K (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).