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$5,098
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,257
−HK$161/mo
Today · 4.125%
HK$5,418
baseline
▲ 0.50% · 4.625%
HK$5,748
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,836/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$5,672
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,824
−HK$154/mo
Today · 4.125%
HK$5,978
baseline
▲ 0.50% · 4.625%
HK$6,294
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,956/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$6,118
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$194/mo
Today · 4.125%
HK$6,502
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$395/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$13,004/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$6,806
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,989
−HK$185/mo
Today · 4.125%
HK$7,174
baseline
▲ 0.50% · 4.625%
HK$7,552
+HK$378/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$14,348/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$7,138
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,360
−HK$225/mo
Today · 4.125%
HK$7,585
baseline
▲ 0.50% · 4.625%
HK$8,047
+HK$462/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$15,170/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$7,941
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,154
−HK$216/mo
Today · 4.125%
HK$8,370
baseline
▲ 0.50% · 4.625%
HK$8,811
+HK$441/mo
Deposit HK$671K · loan HK$1.57M · min. income ≈ HK$16,740/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$9,177
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,463
−HK$290/mo
Today · 4.125%
HK$9,753
baseline
▲ 0.50% · 4.625%
HK$10,346
+HK$593/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$19,506/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$10,210
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$278/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$567/mo
Deposit HK$224K · loan HK$2.01M · min. income ≈ HK$21,522/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).