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$5,133
−HK$321/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$6,336
+HK$318/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$6,351
−HK$194/mo
Today · 4.125%
HK$6,545
baseline
▲ 0.50% · 4.625%
HK$6,944
+HK$399/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$7,036
−HK$186/mo
Today · 4.125%
HK$7,222
baseline
▲ 0.50% · 4.625%
HK$7,603
+HK$381/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$7,186
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,409
−HK$227/mo
Today · 4.125%
HK$7,636
baseline
▲ 0.50% · 4.625%
HK$8,101
+HK$465/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$7,994
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,208
−HK$218/mo
Today · 4.125%
HK$8,426
baseline
▲ 0.50% · 4.625%
HK$8,870
+HK$444/mo
Deposit HK$675K · loan HK$1.58M · min. income ≈ HK$16,852/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$9,239
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,526
−HK$292/mo
Today · 4.125%
HK$9,818
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$597/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,636/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$10,278
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,554
−HK$279/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).