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$5,141
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,301
−HK$163/mo
Today · 4.125%
HK$5,464
baseline
▲ 0.50% · 4.625%
HK$5,796
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,928/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$5,720
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,873
−HK$156/mo
Today · 4.125%
HK$6,029
baseline
▲ 0.50% · 4.625%
HK$6,346
+HK$317/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,058/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$6,170
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,361
−HK$195/mo
Today · 4.125%
HK$6,556
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$399/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$13,112/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$6,864
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,048
−HK$186/mo
Today · 4.125%
HK$7,234
baseline
▲ 0.50% · 4.625%
HK$7,616
+HK$382/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$14,468/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$7,198
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,422
−HK$227/mo
Today · 4.125%
HK$7,649
baseline
▲ 0.50% · 4.625%
HK$8,115
+HK$466/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,298/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,007
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$218/mo
Today · 4.125%
HK$8,440
baseline
▲ 0.50% · 4.625%
HK$8,885
+HK$445/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,880/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,254
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,542
−HK$293/mo
Today · 4.125%
HK$9,835
baseline
▲ 0.50% · 4.625%
HK$10,433
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,670/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,295
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$281/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,424
+HK$572/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,704/mo (50% DSR)
Upfront cash ≈ HK$226K (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).