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$5,735
+HK$329/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$306/mo
▼ 0.25% · 3.875%
HK$5,811
−HK$154/mo
Today · 4.125%
HK$5,965
baseline
▲ 0.50% · 4.625%
HK$6,279
+HK$314/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,930/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$6,882
+HK$395/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$6,791
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,973
−HK$185/mo
Today · 4.125%
HK$7,158
baseline
▲ 0.50% · 4.625%
HK$7,535
+HK$377/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$14,316/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$7,122
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$225/mo
Today · 4.125%
HK$7,568
baseline
▲ 0.50% · 4.625%
HK$8,029
+HK$461/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$7,923
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$216/mo
Today · 4.125%
HK$8,351
baseline
▲ 0.50% · 4.625%
HK$8,791
+HK$440/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,702/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$9,157
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$290/mo
Today · 4.125%
HK$9,731
baseline
▲ 0.50% · 4.625%
HK$10,323
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,462/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$10,187
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$277/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,474/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).