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$5,089
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,247
−HK$161/mo
Today · 4.125%
HK$5,408
baseline
▲ 0.50% · 4.625%
HK$5,737
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,816/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$5,661
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,813
−HK$154/mo
Today · 4.125%
HK$5,967
baseline
▲ 0.50% · 4.625%
HK$6,282
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,934/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$6,107
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,297
−HK$193/mo
Today · 4.125%
HK$6,490
baseline
▲ 0.50% · 4.625%
HK$6,885
+HK$395/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$12,980/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,794
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,976
−HK$185/mo
Today · 4.125%
HK$7,161
baseline
▲ 0.50% · 4.625%
HK$7,538
+HK$377/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$14,322/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,125
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,346
−HK$225/mo
Today · 4.125%
HK$7,571
baseline
▲ 0.50% · 4.625%
HK$8,032
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,142/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,926
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,139
−HK$215/mo
Today · 4.125%
HK$8,354
baseline
▲ 0.50% · 4.625%
HK$8,795
+HK$441/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,708/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,160
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,445
−HK$290/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,470/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$10,191
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$277/mo
Today · 4.125%
HK$10,741
baseline
▲ 0.50% · 4.625%
HK$11,307
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,482/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).