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$5,082
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,240
−HK$161/mo
Today · 4.125%
HK$5,401
baseline
▲ 0.50% · 4.625%
HK$5,729
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,802/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$5,654
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,805
−HK$154/mo
Today · 4.125%
HK$5,959
baseline
▲ 0.50% · 4.625%
HK$6,273
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,918/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$6,098
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,288
−HK$193/mo
Today · 4.125%
HK$6,481
baseline
▲ 0.50% · 4.625%
HK$6,875
+HK$394/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$12,962/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$6,784
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,966
−HK$185/mo
Today · 4.125%
HK$7,151
baseline
▲ 0.50% · 4.625%
HK$7,528
+HK$377/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$14,302/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$7,115
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,336
−HK$225/mo
Today · 4.125%
HK$7,561
baseline
▲ 0.50% · 4.625%
HK$8,021
+HK$460/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$15,122/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$7,915
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,127
−HK$216/mo
Today · 4.125%
HK$8,343
baseline
▲ 0.50% · 4.625%
HK$8,782
+HK$439/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,686/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$9,148
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,432
−HK$289/mo
Today · 4.125%
HK$9,721
baseline
▲ 0.50% · 4.625%
HK$10,313
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,442/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$10,177
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,449
−HK$277/mo
Today · 4.125%
HK$10,726
baseline
▲ 0.50% · 4.625%
HK$11,292
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,452/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).