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$5,134
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,293
−HK$162/mo
Today · 4.125%
HK$5,455
baseline
▲ 0.50% · 4.625%
HK$5,787
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,910/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$5,711
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,864
−HK$156/mo
Today · 4.125%
HK$6,020
baseline
▲ 0.50% · 4.625%
HK$6,337
+HK$317/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,040/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$6,160
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,352
−HK$195/mo
Today · 4.125%
HK$6,547
baseline
▲ 0.50% · 4.625%
HK$6,945
+HK$398/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$13,094/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$6,853
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,037
−HK$186/mo
Today · 4.125%
HK$7,223
baseline
▲ 0.50% · 4.625%
HK$7,604
+HK$381/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$14,446/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$7,187
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,411
−HK$227/mo
Today · 4.125%
HK$7,638
baseline
▲ 0.50% · 4.625%
HK$8,102
+HK$464/mo
Deposit HK$675K · loan HK$1.58M · min. income ≈ HK$15,276/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,995
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,210
−HK$217/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,872
+HK$445/mo
Deposit HK$675K · loan HK$1.58M · min. income ≈ HK$16,854/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,240
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$292/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$597/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,640/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$10,280
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,556
−HK$279/mo
Today · 4.125%
HK$10,835
baseline
▲ 0.50% · 4.625%
HK$11,406
+HK$571/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,670/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).