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$5,085
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,244
−HK$160/mo
Today · 4.125%
HK$5,404
baseline
▲ 0.50% · 4.625%
HK$5,733
+HK$329/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,808/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$5,657
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,809
−HK$154/mo
Today · 4.125%
HK$5,963
baseline
▲ 0.50% · 4.625%
HK$6,277
+HK$314/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,926/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$6,102
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,292
−HK$193/mo
Today · 4.125%
HK$6,485
baseline
▲ 0.50% · 4.625%
HK$6,880
+HK$395/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$12,970/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,789
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$185/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,533
+HK$377/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$14,312/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,120
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,341
−HK$225/mo
Today · 4.125%
HK$7,566
baseline
▲ 0.50% · 4.625%
HK$8,026
+HK$460/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$15,132/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,920
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,133
−HK$215/mo
Today · 4.125%
HK$8,348
baseline
▲ 0.50% · 4.625%
HK$8,788
+HK$440/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,696/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,154
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,438
−HK$290/mo
Today · 4.125%
HK$9,728
baseline
▲ 0.50% · 4.625%
HK$10,320
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,456/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$10,183
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$278/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,299
+HK$565/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,468/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).