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$5,136
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,296
−HK$162/mo
Today · 4.125%
HK$5,458
baseline
▲ 0.50% · 4.625%
HK$5,791
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,916/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$5,714
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,867
−HK$156/mo
Today · 4.125%
HK$6,023
baseline
▲ 0.50% · 4.625%
HK$6,340
+HK$317/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,046/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$6,164
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,355
−HK$195/mo
Today · 4.125%
HK$6,550
baseline
▲ 0.50% · 4.625%
HK$6,949
+HK$399/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$13,100/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$6,857
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,041
−HK$186/mo
Today · 4.125%
HK$7,227
baseline
▲ 0.50% · 4.625%
HK$7,608
+HK$381/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$14,454/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$7,191
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$227/mo
Today · 4.125%
HK$7,642
baseline
▲ 0.50% · 4.625%
HK$8,107
+HK$465/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,284/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$8,000
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,214
−HK$218/mo
Today · 4.125%
HK$8,432
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$445/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,864/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$9,245
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,533
−HK$292/mo
Today · 4.125%
HK$9,825
baseline
▲ 0.50% · 4.625%
HK$10,423
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,650/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$10,286
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,561
−HK$280/mo
Today · 4.125%
HK$10,841
baseline
▲ 0.50% · 4.625%
HK$11,413
+HK$572/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,682/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).