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$5,087
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,245
−HK$161/mo
Today · 4.125%
HK$5,406
baseline
▲ 0.50% · 4.625%
HK$5,734
+HK$328/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,812/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$5,659
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,811
−HK$153/mo
Today · 4.125%
HK$5,964
baseline
▲ 0.50% · 4.625%
HK$6,279
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,928/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$6,104
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,294
−HK$193/mo
Today · 4.125%
HK$6,487
baseline
▲ 0.50% · 4.625%
HK$6,881
+HK$394/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$12,974/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,790
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,973
−HK$184/mo
Today · 4.125%
HK$7,157
baseline
▲ 0.50% · 4.625%
HK$7,535
+HK$378/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$14,314/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,121
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$225/mo
Today · 4.125%
HK$7,568
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$460/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$15,136/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,922
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$215/mo
Today · 4.125%
HK$8,350
baseline
▲ 0.50% · 4.625%
HK$8,790
+HK$440/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,700/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,156
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$289/mo
Today · 4.125%
HK$9,730
baseline
▲ 0.50% · 4.625%
HK$10,322
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,460/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$10,186
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,459
−HK$277/mo
Today · 4.125%
HK$10,736
baseline
▲ 0.50% · 4.625%
HK$11,302
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,472/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).