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$5,141
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,301
−HK$162/mo
Today · 4.125%
HK$5,463
baseline
▲ 0.50% · 4.625%
HK$5,796
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,926/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$5,719
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,873
−HK$155/mo
Today · 4.125%
HK$6,028
baseline
▲ 0.50% · 4.625%
HK$6,346
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,056/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$6,169
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,361
−HK$195/mo
Today · 4.125%
HK$6,556
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$399/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$13,112/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,863
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,047
−HK$187/mo
Today · 4.125%
HK$7,234
baseline
▲ 0.50% · 4.625%
HK$7,615
+HK$381/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$14,468/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,197
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,421
−HK$228/mo
Today · 4.125%
HK$7,649
baseline
▲ 0.50% · 4.625%
HK$8,114
+HK$465/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,298/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$8,007
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$217/mo
Today · 4.125%
HK$8,439
baseline
▲ 0.50% · 4.625%
HK$8,884
+HK$445/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,878/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$9,254
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$293/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,432
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,668/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,295
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$280/mo
Today · 4.125%
HK$10,851
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$572/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,702/mo (50% DSR)
Upfront cash ≈ HK$226K (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).