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$5,057
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,214
−HK$160/mo
Today · 4.125%
HK$5,374
baseline
▲ 0.50% · 4.625%
HK$5,701
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,748/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$5,626
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,777
−HK$153/mo
Today · 4.125%
HK$5,930
baseline
▲ 0.50% · 4.625%
HK$6,243
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,860/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$6,069
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,257
−HK$192/mo
Today · 4.125%
HK$6,449
baseline
▲ 0.50% · 4.625%
HK$6,842
+HK$393/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,898/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,751
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,932
−HK$184/mo
Today · 4.125%
HK$7,116
baseline
▲ 0.50% · 4.625%
HK$7,491
+HK$375/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$14,232/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,080
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$224/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,982
+HK$458/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,048/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$7,876
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,088
−HK$214/mo
Today · 4.125%
HK$8,302
baseline
▲ 0.50% · 4.625%
HK$8,740
+HK$438/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,604/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$9,103
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$288/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,262
+HK$588/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,348/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$10,127
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$275/mo
Today · 4.125%
HK$10,674
baseline
▲ 0.50% · 4.625%
HK$11,237
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,348/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).