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$5,104
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,263
−HK$161/mo
Today · 4.125%
HK$5,424
baseline
▲ 0.50% · 4.625%
HK$5,754
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,848/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$5,679
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,831
−HK$154/mo
Today · 4.125%
HK$5,985
baseline
▲ 0.50% · 4.625%
HK$6,301
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,970/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$6,125
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,316
−HK$193/mo
Today · 4.125%
HK$6,509
baseline
▲ 0.50% · 4.625%
HK$6,905
+HK$396/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$13,018/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,814
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,997
−HK$185/mo
Today · 4.125%
HK$7,182
baseline
▲ 0.50% · 4.625%
HK$7,561
+HK$379/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$14,364/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,146
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,368
−HK$226/mo
Today · 4.125%
HK$7,594
baseline
▲ 0.50% · 4.625%
HK$8,056
+HK$462/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,188/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,950
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$216/mo
Today · 4.125%
HK$8,379
baseline
▲ 0.50% · 4.625%
HK$8,821
+HK$442/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,758/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,188
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,474
−HK$290/mo
Today · 4.125%
HK$9,764
baseline
▲ 0.50% · 4.625%
HK$10,358
+HK$594/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$19,528/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$10,221
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$279/mo
Today · 4.125%
HK$10,774
baseline
▲ 0.50% · 4.625%
HK$11,341
+HK$567/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$21,548/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).