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$5,100
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,258
−HK$162/mo
Today · 4.125%
HK$5,420
baseline
▲ 0.50% · 4.625%
HK$5,749
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,840/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$307/mo
▼ 0.25% · 3.875%
HK$5,826
−HK$154/mo
Today · 4.125%
HK$5,980
baseline
▲ 0.50% · 4.625%
HK$6,295
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,960/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$6,120
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,310
−HK$193/mo
Today · 4.125%
HK$6,503
baseline
▲ 0.50% · 4.625%
HK$6,899
+HK$396/mo
Deposit HK$895K · 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$6,808
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,991
−HK$185/mo
Today · 4.125%
HK$7,176
baseline
▲ 0.50% · 4.625%
HK$7,554
+HK$378/mo
Deposit HK$895K · loan HK$1.34M · min. income ≈ HK$14,352/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$7,140
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,362
−HK$225/mo
Today · 4.125%
HK$7,587
baseline
▲ 0.50% · 4.625%
HK$8,049
+HK$462/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$15,174/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$7,943
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,156
−HK$216/mo
Today · 4.125%
HK$8,372
baseline
▲ 0.50% · 4.625%
HK$8,813
+HK$441/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$16,744/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$9,180
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$290/mo
Today · 4.125%
HK$9,755
baseline
▲ 0.50% · 4.625%
HK$10,349
+HK$594/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$19,510/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$10,212
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,486
−HK$278/mo
Today · 4.125%
HK$10,764
baseline
▲ 0.50% · 4.625%
HK$11,331
+HK$567/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$21,528/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).