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$5,130
−HK$321/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$5,707
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,860
−HK$155/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$6,156
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,347
−HK$195/mo
Today · 4.125%
HK$6,542
baseline
▲ 0.50% · 4.625%
HK$6,940
+HK$398/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$13,084/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$7,032
−HK$186/mo
Today · 4.125%
HK$7,218
baseline
▲ 0.50% · 4.625%
HK$7,599
+HK$381/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$7,182
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,405
−HK$227/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,096
+HK$464/mo
Deposit HK$675K · loan HK$1.57M · min. income ≈ HK$15,264/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$7,990
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,204
−HK$217/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,865
+HK$444/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$9,234
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$292/mo
Today · 4.125%
HK$9,813
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$597/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,626/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$10,272
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$279/mo
Today · 4.125%
HK$10,827
baseline
▲ 0.50% · 4.625%
HK$11,398
+HK$571/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,654/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).