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$5,097
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,256
−HK$161/mo
Today · 4.125%
HK$5,417
baseline
▲ 0.50% · 4.625%
HK$5,747
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,834/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$5,671
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,823
−HK$154/mo
Today · 4.125%
HK$5,977
baseline
▲ 0.50% · 4.625%
HK$6,292
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,954/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$6,117
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,307
−HK$194/mo
Today · 4.125%
HK$6,501
baseline
▲ 0.50% · 4.625%
HK$6,896
+HK$395/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$13,002/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,805
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,988
−HK$185/mo
Today · 4.125%
HK$7,173
baseline
▲ 0.50% · 4.625%
HK$7,551
+HK$378/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$14,346/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,136
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,358
−HK$226/mo
Today · 4.125%
HK$7,584
baseline
▲ 0.50% · 4.625%
HK$8,045
+HK$461/mo
Deposit HK$671K · loan HK$1.56M · min. income ≈ HK$15,168/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,939
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,152
−HK$216/mo
Today · 4.125%
HK$8,368
baseline
▲ 0.50% · 4.625%
HK$8,809
+HK$441/mo
Deposit HK$671K · loan HK$1.56M · min. income ≈ HK$16,736/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,175
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,461
−HK$290/mo
Today · 4.125%
HK$9,751
baseline
▲ 0.50% · 4.625%
HK$10,344
+HK$593/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$19,502/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$10,208
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$278/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,326
+HK$567/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$21,518/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).