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$5,129
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,289
−HK$162/mo
Today · 4.125%
HK$5,451
baseline
▲ 0.50% · 4.625%
HK$5,783
+HK$332/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,902/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,706
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,859
−HK$156/mo
Today · 4.125%
HK$6,015
baseline
▲ 0.50% · 4.625%
HK$6,332
+HK$317/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,030/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,155
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,347
−HK$194/mo
Today · 4.125%
HK$6,541
baseline
▲ 0.50% · 4.625%
HK$6,939
+HK$398/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$13,082/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,848
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,031
−HK$187/mo
Today · 4.125%
HK$7,218
baseline
▲ 0.50% · 4.625%
HK$7,598
+HK$380/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$14,436/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,181
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,405
−HK$226/mo
Today · 4.125%
HK$7,631
baseline
▲ 0.50% · 4.625%
HK$8,096
+HK$465/mo
Deposit HK$675K · loan HK$1.57M · min. income ≈ HK$15,262/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$7,989
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,203
−HK$218/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,864
+HK$443/mo
Deposit HK$675K · loan HK$1.57M · min. income ≈ HK$16,842/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$9,233
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$292/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,409
+HK$597/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,624/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$10,271
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$279/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$571/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,652/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).