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$5,243
−HK$161/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$6,879
+HK$394/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$366/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$184/mo
Today · 4.125%
HK$7,155
baseline
▲ 0.50% · 4.625%
HK$7,533
+HK$378/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$14,310/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$7,119
−HK$447/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$8,132
−HK$216/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$9,153
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,438
−HK$289/mo
Today · 4.125%
HK$9,727
baseline
▲ 0.50% · 4.625%
HK$10,319
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,454/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$550/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$277/mo
Today · 4.125%
HK$10,733
baseline
▲ 0.50% · 4.625%
HK$11,299
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,466/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).