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$5,140
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,300
−HK$163/mo
Today · 4.125%
HK$5,463
baseline
▲ 0.50% · 4.625%
HK$5,795
+HK$332/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$5,872
−HK$156/mo
Today · 4.125%
HK$6,028
baseline
▲ 0.50% · 4.625%
HK$6,345
+HK$317/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$386/mo
▼ 0.25% · 3.875%
HK$6,360
−HK$195/mo
Today · 4.125%
HK$6,555
baseline
▲ 0.50% · 4.625%
HK$6,954
+HK$399/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$13,110/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$6,862
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,046
−HK$187/mo
Today · 4.125%
HK$7,233
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$381/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$14,466/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$451/mo
▼ 0.25% · 3.875%
HK$7,420
−HK$228/mo
Today · 4.125%
HK$7,648
baseline
▲ 0.50% · 4.625%
HK$8,113
+HK$465/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,296/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$8,006
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$218/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$9,253
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$292/mo
Today · 4.125%
HK$9,833
baseline
▲ 0.50% · 4.625%
HK$10,431
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,666/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$10,294
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,570
−HK$280/mo
Today · 4.125%
HK$10,850
baseline
▲ 0.50% · 4.625%
HK$11,422
+HK$572/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,700/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).