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$5,084
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,242
−HK$161/mo
Today · 4.125%
HK$5,403
baseline
▲ 0.50% · 4.625%
HK$5,731
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,806/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,656
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,807
−HK$154/mo
Today · 4.125%
HK$5,961
baseline
▲ 0.50% · 4.625%
HK$6,275
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,922/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,100
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$193/mo
Today · 4.125%
HK$6,483
baseline
▲ 0.50% · 4.625%
HK$6,878
+HK$395/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$12,966/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,787
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,969
−HK$184/mo
Today · 4.125%
HK$7,153
baseline
▲ 0.50% · 4.625%
HK$7,530
+HK$377/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$14,306/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,117
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,339
−HK$225/mo
Today · 4.125%
HK$7,564
baseline
▲ 0.50% · 4.625%
HK$8,024
+HK$460/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$15,128/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,918
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,130
−HK$216/mo
Today · 4.125%
HK$8,346
baseline
▲ 0.50% · 4.625%
HK$8,786
+HK$440/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,692/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,151
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$290/mo
Today · 4.125%
HK$9,725
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$591/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,450/mo (50% DSR)
Upfront cash ≈ HK$223K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,180
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$277/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,460/mo (50% DSR)
Upfront cash ≈ HK$223K (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).