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$5,116
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,276
−HK$161/mo
Today · 4.125%
HK$5,437
baseline
▲ 0.50% · 4.625%
HK$5,768
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,874/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$5,692
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,845
−HK$154/mo
Today · 4.125%
HK$5,999
baseline
▲ 0.50% · 4.625%
HK$6,316
+HK$317/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,998/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$6,140
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,331
−HK$194/mo
Today · 4.125%
HK$6,525
baseline
▲ 0.50% · 4.625%
HK$6,922
+HK$397/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$13,050/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,830
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,013
−HK$186/mo
Today · 4.125%
HK$7,199
baseline
▲ 0.50% · 4.625%
HK$7,579
+HK$380/mo
Deposit HK$898K · loan HK$1.35M · min. income ≈ HK$14,398/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,163
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,386
−HK$226/mo
Today · 4.125%
HK$7,612
baseline
▲ 0.50% · 4.625%
HK$8,075
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,224/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,969
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,182
−HK$217/mo
Today · 4.125%
HK$8,399
baseline
▲ 0.50% · 4.625%
HK$8,842
+HK$443/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,798/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,209
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,496
−HK$291/mo
Today · 4.125%
HK$9,787
baseline
▲ 0.50% · 4.625%
HK$10,382
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,574/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$10,245
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,520
−HK$279/mo
Today · 4.125%
HK$10,799
baseline
▲ 0.50% · 4.625%
HK$11,368
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,598/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).