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$5,067
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,225
−HK$160/mo
Today · 4.125%
HK$5,385
baseline
▲ 0.50% · 4.625%
HK$5,713
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,770/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$5,637
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,788
−HK$154/mo
Today · 4.125%
HK$5,942
baseline
▲ 0.50% · 4.625%
HK$6,255
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,884/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$6,081
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,270
−HK$192/mo
Today · 4.125%
HK$6,462
baseline
▲ 0.50% · 4.625%
HK$6,855
+HK$393/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$12,924/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,765
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,946
−HK$184/mo
Today · 4.125%
HK$7,130
baseline
▲ 0.50% · 4.625%
HK$7,506
+HK$376/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$14,260/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,094
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$224/mo
Today · 4.125%
HK$7,539
baseline
▲ 0.50% · 4.625%
HK$7,998
+HK$459/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$15,078/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,892
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$215/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,757
+HK$438/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$16,638/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,121
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,405
−HK$288/mo
Today · 4.125%
HK$9,693
baseline
▲ 0.50% · 4.625%
HK$10,283
+HK$590/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,386/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$10,147
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,419
−HK$276/mo
Today · 4.125%
HK$10,695
baseline
▲ 0.50% · 4.625%
HK$11,259
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,390/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).