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$5,137
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,297
−HK$162/mo
Today · 4.125%
HK$5,459
baseline
▲ 0.50% · 4.625%
HK$5,791
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,918/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$5,715
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,868
−HK$156/mo
Today · 4.125%
HK$6,024
baseline
▲ 0.50% · 4.625%
HK$6,341
+HK$317/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,048/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$6,164
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,356
−HK$195/mo
Today · 4.125%
HK$6,551
baseline
▲ 0.50% · 4.625%
HK$6,950
+HK$399/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$13,102/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,858
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$186/mo
Today · 4.125%
HK$7,228
baseline
▲ 0.50% · 4.625%
HK$7,609
+HK$381/mo
Deposit HK$901K · loan HK$1.35M · min. income ≈ HK$14,456/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,192
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$227/mo
Today · 4.125%
HK$7,643
baseline
▲ 0.50% · 4.625%
HK$8,108
+HK$465/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,286/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$8,001
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$218/mo
Today · 4.125%
HK$8,433
baseline
▲ 0.50% · 4.625%
HK$8,878
+HK$445/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,866/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$9,247
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,534
−HK$292/mo
Today · 4.125%
HK$9,826
baseline
▲ 0.50% · 4.625%
HK$10,424
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,652/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$10,287
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,563
−HK$280/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,414
+HK$571/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,686/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).