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$322/mo
▼ 0.25% · 3.875%
HK$5,299
−HK$162/mo
Today · 4.125%
HK$5,461
baseline
▲ 0.50% · 4.625%
HK$5,794
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,922/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$5,870
−HK$156/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$386/mo
▼ 0.25% · 3.875%
HK$6,359
−HK$194/mo
Today · 4.125%
HK$6,553
baseline
▲ 0.50% · 4.625%
HK$6,952
+HK$399/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$13,106/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$6,860
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,044
−HK$187/mo
Today · 4.125%
HK$7,231
baseline
▲ 0.50% · 4.625%
HK$7,612
+HK$381/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$14,462/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$7,418
−HK$228/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$432/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$217/mo
Today · 4.125%
HK$8,436
baseline
▲ 0.50% · 4.625%
HK$8,881
+HK$445/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,872/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$9,250
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,538
−HK$292/mo
Today · 4.125%
HK$9,830
baseline
▲ 0.50% · 4.625%
HK$10,428
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,660/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$11,418
+HK$571/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).