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$5,108
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,267
−HK$162/mo
Today · 4.125%
HK$5,429
baseline
▲ 0.50% · 4.625%
HK$5,759
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,858/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$5,683
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,835
−HK$155/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,306
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,980/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$6,130
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,321
−HK$193/mo
Today · 4.125%
HK$6,514
baseline
▲ 0.50% · 4.625%
HK$6,911
+HK$397/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$13,028/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,820
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$185/mo
Today · 4.125%
HK$7,188
baseline
▲ 0.50% · 4.625%
HK$7,567
+HK$379/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$14,376/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,152
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,374
−HK$226/mo
Today · 4.125%
HK$7,600
baseline
▲ 0.50% · 4.625%
HK$8,063
+HK$463/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,200/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$7,956
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,170
−HK$216/mo
Today · 4.125%
HK$8,386
baseline
▲ 0.50% · 4.625%
HK$8,828
+HK$442/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,772/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$9,195
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,481
−HK$291/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,366
+HK$594/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,544/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$10,229
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$278/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,350
+HK$568/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,564/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).