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$5,099
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,258
−HK$161/mo
Today · 4.125%
HK$5,419
baseline
▲ 0.50% · 4.625%
HK$5,749
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,838/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$5,673
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,825
−HK$154/mo
Today · 4.125%
HK$5,979
baseline
▲ 0.50% · 4.625%
HK$6,294
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,958/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$6,119
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,309
−HK$194/mo
Today · 4.125%
HK$6,503
baseline
▲ 0.50% · 4.625%
HK$6,898
+HK$395/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$13,006/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,807
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,990
−HK$185/mo
Today · 4.125%
HK$7,175
baseline
▲ 0.50% · 4.625%
HK$7,553
+HK$378/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$14,350/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,139
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,361
−HK$225/mo
Today · 4.125%
HK$7,586
baseline
▲ 0.50% · 4.625%
HK$8,048
+HK$462/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$15,172/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$7,942
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$216/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,812
+HK$441/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$16,742/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$9,178
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,464
−HK$290/mo
Today · 4.125%
HK$9,754
baseline
▲ 0.50% · 4.625%
HK$10,348
+HK$594/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$19,508/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$10,211
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$278/mo
Today · 4.125%
HK$10,763
baseline
▲ 0.50% · 4.625%
HK$11,330
+HK$567/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$21,526/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).