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$5,132
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,292
−HK$162/mo
Today · 4.125%
HK$5,454
baseline
▲ 0.50% · 4.625%
HK$5,786
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,908/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$5,710
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,863
−HK$155/mo
Today · 4.125%
HK$6,018
baseline
▲ 0.50% · 4.625%
HK$6,335
+HK$317/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,036/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$6,159
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,350
−HK$195/mo
Today · 4.125%
HK$6,545
baseline
▲ 0.50% · 4.625%
HK$6,943
+HK$398/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$13,090/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$6,852
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,035
−HK$187/mo
Today · 4.125%
HK$7,222
baseline
▲ 0.50% · 4.625%
HK$7,602
+HK$380/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$14,444/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$7,185
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,409
−HK$227/mo
Today · 4.125%
HK$7,636
baseline
▲ 0.50% · 4.625%
HK$8,100
+HK$464/mo
Deposit HK$675K · loan HK$1.58M · min. income ≈ HK$15,272/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$7,993
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,208
−HK$217/mo
Today · 4.125%
HK$8,425
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$444/mo
Deposit HK$675K · loan HK$1.58M · min. income ≈ HK$16,850/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$9,238
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,526
−HK$291/mo
Today · 4.125%
HK$9,817
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,634/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$10,277
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$280/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$571/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,666/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).