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$5,103
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,261
−HK$162/mo
Today · 4.125%
HK$5,423
baseline
▲ 0.50% · 4.625%
HK$5,753
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,846/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$5,677
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,829
−HK$154/mo
Today · 4.125%
HK$5,983
baseline
▲ 0.50% · 4.625%
HK$6,299
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,966/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$6,123
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,314
−HK$193/mo
Today · 4.125%
HK$6,507
baseline
▲ 0.50% · 4.625%
HK$6,903
+HK$396/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$13,014/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$6,812
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,995
−HK$185/mo
Today · 4.125%
HK$7,180
baseline
▲ 0.50% · 4.625%
HK$7,558
+HK$378/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$14,360/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$7,144
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,366
−HK$226/mo
Today · 4.125%
HK$7,592
baseline
▲ 0.50% · 4.625%
HK$8,054
+HK$462/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$15,184/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,947
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,160
−HK$217/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$441/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$16,754/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,185
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,470
−HK$291/mo
Today · 4.125%
HK$9,761
baseline
▲ 0.50% · 4.625%
HK$10,355
+HK$594/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$19,522/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$10,218
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,492
−HK$278/mo
Today · 4.125%
HK$10,770
baseline
▲ 0.50% · 4.625%
HK$11,338
+HK$568/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$21,540/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).