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$5,124
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,283
−HK$162/mo
Today · 4.125%
HK$5,445
baseline
▲ 0.50% · 4.625%
HK$5,776
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,890/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$5,700
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,853
−HK$155/mo
Today · 4.125%
HK$6,008
baseline
▲ 0.50% · 4.625%
HK$6,325
+HK$317/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,016/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$6,148
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,340
−HK$194/mo
Today · 4.125%
HK$6,534
baseline
▲ 0.50% · 4.625%
HK$6,931
+HK$397/mo
Deposit HK$899K · loan HK$1.35M · min. income ≈ HK$13,068/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$6,840
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$187/mo
Today · 4.125%
HK$7,210
baseline
▲ 0.50% · 4.625%
HK$7,590
+HK$380/mo
Deposit HK$899K · loan HK$1.35M · min. income ≈ HK$14,420/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$7,173
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,396
−HK$227/mo
Today · 4.125%
HK$7,623
baseline
▲ 0.50% · 4.625%
HK$8,087
+HK$464/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$15,246/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,980
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,194
−HK$217/mo
Today · 4.125%
HK$8,411
baseline
▲ 0.50% · 4.625%
HK$8,854
+HK$443/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$16,822/mo (50% DSR)
Upfront cash ≈ HK$674K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,222
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,509
−HK$292/mo
Today · 4.125%
HK$9,801
baseline
▲ 0.50% · 4.625%
HK$10,397
+HK$596/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,602/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$10,260
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,535
−HK$279/mo
Today · 4.125%
HK$10,814
baseline
▲ 0.50% · 4.625%
HK$11,384
+HK$570/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,628/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).