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$5,092
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,250
−HK$161/mo
Today · 4.125%
HK$5,411
baseline
▲ 0.50% · 4.625%
HK$5,740
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,822/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$5,665
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,816
−HK$155/mo
Today · 4.125%
HK$5,971
baseline
▲ 0.50% · 4.625%
HK$6,285
+HK$314/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,942/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$6,110
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,300
−HK$193/mo
Today · 4.125%
HK$6,493
baseline
▲ 0.50% · 4.625%
HK$6,888
+HK$395/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$12,986/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,797
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,980
−HK$185/mo
Today · 4.125%
HK$7,165
baseline
▲ 0.50% · 4.625%
HK$7,542
+HK$377/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$14,330/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,128
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,350
−HK$225/mo
Today · 4.125%
HK$7,575
baseline
▲ 0.50% · 4.625%
HK$8,036
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,150/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,930
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,143
−HK$216/mo
Today · 4.125%
HK$8,359
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$440/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,718/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,165
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,450
−HK$290/mo
Today · 4.125%
HK$9,740
baseline
▲ 0.50% · 4.625%
HK$10,333
+HK$593/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,480/mo (50% DSR)
Upfront cash ≈ HK$223K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,196
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$277/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,314
+HK$567/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,494/mo (50% DSR)
Upfront cash ≈ HK$223K (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).