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$5,052
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,209
−HK$159/mo
Today · 4.125%
HK$5,368
baseline
▲ 0.50% · 4.625%
HK$5,695
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,736/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$5,620
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,771
−HK$153/mo
Today · 4.125%
HK$5,924
baseline
▲ 0.50% · 4.625%
HK$6,236
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,848/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$6,062
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,251
−HK$191/mo
Today · 4.125%
HK$6,442
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$392/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$12,884/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,744
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,925
−HK$183/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,483
+HK$375/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$14,216/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,072
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$224/mo
Today · 4.125%
HK$7,516
baseline
▲ 0.50% · 4.625%
HK$7,973
+HK$457/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,032/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,868
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,079
−HK$214/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,730
+HK$437/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,586/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,093
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$287/mo
Today · 4.125%
HK$9,663
baseline
▲ 0.50% · 4.625%
HK$10,251
+HK$588/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$19,326/mo (50% DSR)
Upfront cash ≈ HK$222K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,116
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,387
−HK$275/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,224
+HK$562/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$21,324/mo (50% DSR)
Upfront cash ≈ HK$222K (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).