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$5,095
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,253
−HK$161/mo
Today · 4.125%
HK$5,414
baseline
▲ 0.50% · 4.625%
HK$5,744
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,828/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$5,668
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,820
−HK$154/mo
Today · 4.125%
HK$5,974
baseline
▲ 0.50% · 4.625%
HK$6,289
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,948/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$6,114
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,304
−HK$193/mo
Today · 4.125%
HK$6,497
baseline
▲ 0.50% · 4.625%
HK$6,892
+HK$395/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$12,994/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$6,801
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,984
−HK$185/mo
Today · 4.125%
HK$7,169
baseline
▲ 0.50% · 4.625%
HK$7,547
+HK$378/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$14,338/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$7,132
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,354
−HK$226/mo
Today · 4.125%
HK$7,580
baseline
▲ 0.50% · 4.625%
HK$8,041
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,160/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$7,935
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,148
−HK$215/mo
Today · 4.125%
HK$8,363
baseline
▲ 0.50% · 4.625%
HK$8,804
+HK$441/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,726/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$9,170
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,456
−HK$289/mo
Today · 4.125%
HK$9,745
baseline
▲ 0.50% · 4.625%
HK$10,338
+HK$593/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,490/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$10,202
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,475
−HK$278/mo
Today · 4.125%
HK$10,753
baseline
▲ 0.50% · 4.625%
HK$11,320
+HK$567/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,506/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).