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$5,107
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,266
−HK$161/mo
Today · 4.125%
HK$5,427
baseline
▲ 0.50% · 4.625%
HK$5,757
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,854/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$5,681
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,834
−HK$154/mo
Today · 4.125%
HK$5,988
baseline
▲ 0.50% · 4.625%
HK$6,304
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,976/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$6,128
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,319
−HK$193/mo
Today · 4.125%
HK$6,512
baseline
▲ 0.50% · 4.625%
HK$6,909
+HK$397/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$13,024/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$6,817
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,000
−HK$186/mo
Today · 4.125%
HK$7,186
baseline
▲ 0.50% · 4.625%
HK$7,565
+HK$379/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$14,372/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$7,149
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$226/mo
Today · 4.125%
HK$7,598
baseline
▲ 0.50% · 4.625%
HK$8,060
+HK$462/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,196/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$7,954
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,167
−HK$216/mo
Today · 4.125%
HK$8,383
baseline
▲ 0.50% · 4.625%
HK$8,825
+HK$442/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,766/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$9,192
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$291/mo
Today · 4.125%
HK$9,769
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$594/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,538/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$10,226
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,500
−HK$279/mo
Today · 4.125%
HK$10,779
baseline
▲ 0.50% · 4.625%
HK$11,347
+HK$568/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,558/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).