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$5,135
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,295
−HK$162/mo
Today · 4.125%
HK$5,457
baseline
▲ 0.50% · 4.625%
HK$5,789
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,914/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$5,713
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,866
−HK$155/mo
Today · 4.125%
HK$6,021
baseline
▲ 0.50% · 4.625%
HK$6,339
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,042/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$6,162
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,354
−HK$195/mo
Today · 4.125%
HK$6,549
baseline
▲ 0.50% · 4.625%
HK$6,947
+HK$398/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$13,098/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$6,855
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,039
−HK$187/mo
Today · 4.125%
HK$7,226
baseline
▲ 0.50% · 4.625%
HK$7,607
+HK$381/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$14,452/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$7,189
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,413
−HK$227/mo
Today · 4.125%
HK$7,640
baseline
▲ 0.50% · 4.625%
HK$8,105
+HK$465/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,280/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$7,998
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,212
−HK$218/mo
Today · 4.125%
HK$8,430
baseline
▲ 0.50% · 4.625%
HK$8,874
+HK$444/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,860/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$9,243
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$292/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,646/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$10,283
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$280/mo
Today · 4.125%
HK$10,839
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$571/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,678/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).