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$5,138
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,298
−HK$162/mo
Today · 4.125%
HK$5,460
baseline
▲ 0.50% · 4.625%
HK$5,792
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,920/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,716
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,869
−HK$156/mo
Today · 4.125%
HK$6,025
baseline
▲ 0.50% · 4.625%
HK$6,342
+HK$317/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,050/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,166
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,357
−HK$195/mo
Today · 4.125%
HK$6,552
baseline
▲ 0.50% · 4.625%
HK$6,951
+HK$399/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$13,104/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,859
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,043
−HK$187/mo
Today · 4.125%
HK$7,230
baseline
▲ 0.50% · 4.625%
HK$7,611
+HK$381/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$14,460/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,193
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,417
−HK$227/mo
Today · 4.125%
HK$7,644
baseline
▲ 0.50% · 4.625%
HK$8,109
+HK$465/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,288/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,002
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,217
−HK$218/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,879
+HK$444/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,870/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,248
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$292/mo
Today · 4.125%
HK$9,828
baseline
▲ 0.50% · 4.625%
HK$10,426
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,656/mo (50% DSR)
Upfront cash ≈ HK$225K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,289
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$280/mo
Today · 4.125%
HK$10,845
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$571/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,690/mo (50% DSR)
Upfront cash ≈ HK$225K (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).