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$5,093
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,251
−HK$161/mo
Today · 4.125%
HK$5,412
baseline
▲ 0.50% · 4.625%
HK$5,741
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,824/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$5,666
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,818
−HK$154/mo
Today · 4.125%
HK$5,972
baseline
▲ 0.50% · 4.625%
HK$6,286
+HK$314/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,944/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$6,111
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,301
−HK$193/mo
Today · 4.125%
HK$6,494
baseline
▲ 0.50% · 4.625%
HK$6,890
+HK$396/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$12,988/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$6,799
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,981
−HK$185/mo
Today · 4.125%
HK$7,166
baseline
▲ 0.50% · 4.625%
HK$7,544
+HK$378/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$14,332/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$7,130
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,352
−HK$225/mo
Today · 4.125%
HK$7,577
baseline
▲ 0.50% · 4.625%
HK$8,038
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,154/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$7,932
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,145
−HK$215/mo
Today · 4.125%
HK$8,360
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$441/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,720/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$9,167
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$290/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,334
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,484/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$10,198
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,472
−HK$277/mo
Today · 4.125%
HK$10,749
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$567/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,498/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).