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$5,090
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,249
−HK$161/mo
Today · 4.125%
HK$5,410
baseline
▲ 0.50% · 4.625%
HK$5,739
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,820/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$5,663
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,815
−HK$154/mo
Today · 4.125%
HK$5,969
baseline
▲ 0.50% · 4.625%
HK$6,284
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,938/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$6,108
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,298
−HK$194/mo
Today · 4.125%
HK$6,492
baseline
▲ 0.50% · 4.625%
HK$6,887
+HK$395/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$12,984/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$6,796
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,978
−HK$185/mo
Today · 4.125%
HK$7,163
baseline
▲ 0.50% · 4.625%
HK$7,540
+HK$377/mo
Deposit HK$893K · loan HK$1.34M · min. income ≈ HK$14,326/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$7,127
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,348
−HK$225/mo
Today · 4.125%
HK$7,573
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,146/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$7,928
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,141
−HK$216/mo
Today · 4.125%
HK$8,357
baseline
▲ 0.50% · 4.625%
HK$8,797
+HK$440/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,714/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$9,163
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,448
−HK$289/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$593/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,474/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$10,193
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$277/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,488/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).