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$5,122
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,281
−HK$162/mo
Today · 4.125%
HK$5,443
baseline
▲ 0.50% · 4.625%
HK$5,774
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,886/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$5,698
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,851
−HK$155/mo
Today · 4.125%
HK$6,006
baseline
▲ 0.50% · 4.625%
HK$6,322
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,012/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$6,146
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,337
−HK$194/mo
Today · 4.125%
HK$6,531
baseline
▲ 0.50% · 4.625%
HK$6,929
+HK$398/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$13,062/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$6,837
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,021
−HK$186/mo
Today · 4.125%
HK$7,207
baseline
▲ 0.50% · 4.625%
HK$7,587
+HK$380/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$14,414/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$7,170
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$227/mo
Today · 4.125%
HK$7,620
baseline
▲ 0.50% · 4.625%
HK$8,084
+HK$464/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$15,240/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$7,977
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,191
−HK$217/mo
Today · 4.125%
HK$8,408
baseline
▲ 0.50% · 4.625%
HK$8,851
+HK$443/mo
Deposit HK$674K · loan HK$1.57M · min. income ≈ HK$16,816/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$9,219
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$291/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,393
+HK$596/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,594/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$10,256
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,531
−HK$279/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,380
+HK$570/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,620/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).