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$5,139
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,299
−HK$163/mo
Today · 4.125%
HK$5,462
baseline
▲ 0.50% · 4.625%
HK$5,794
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,924/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$5,717
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,871
−HK$155/mo
Today · 4.125%
HK$6,026
baseline
▲ 0.50% · 4.625%
HK$6,344
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,052/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$6,167
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,359
−HK$195/mo
Today · 4.125%
HK$6,554
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$399/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$13,108/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,861
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$187/mo
Today · 4.125%
HK$7,232
baseline
▲ 0.50% · 4.625%
HK$7,613
+HK$381/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$14,464/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,195
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,419
−HK$227/mo
Today · 4.125%
HK$7,646
baseline
▲ 0.50% · 4.625%
HK$8,111
+HK$465/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,292/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$8,004
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$218/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,882
+HK$445/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,874/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$9,251
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,538
−HK$293/mo
Today · 4.125%
HK$9,831
baseline
▲ 0.50% · 4.625%
HK$10,429
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,662/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$10,291
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,567
−HK$280/mo
Today · 4.125%
HK$10,847
baseline
▲ 0.50% · 4.625%
HK$11,419
+HK$572/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,694/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).