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$317/mo
▼ 0.25% · 3.875%
HK$5,210
−HK$159/mo
Today · 4.125%
HK$5,369
baseline
▲ 0.50% · 4.625%
HK$5,696
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,738/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$5,621
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,771
−HK$153/mo
Today · 4.125%
HK$5,924
baseline
▲ 0.50% · 4.625%
HK$6,237
+HK$313/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$6,063
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,251
−HK$192/mo
Today · 4.125%
HK$6,443
baseline
▲ 0.50% · 4.625%
HK$6,835
+HK$392/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$12,886/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$6,745
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,926
−HK$183/mo
Today · 4.125%
HK$7,109
baseline
▲ 0.50% · 4.625%
HK$7,484
+HK$375/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$14,218/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$7,073
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,293
−HK$224/mo
Today · 4.125%
HK$7,517
baseline
▲ 0.50% · 4.625%
HK$7,974
+HK$457/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,034/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$7,869
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,080
−HK$214/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,731
+HK$437/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,588/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$9,094
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,377
−HK$288/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,253
+HK$588/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$19,330/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$10,117
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$275/mo
Today · 4.125%
HK$10,664
baseline
▲ 0.50% · 4.625%
HK$11,226
+HK$562/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$21,328/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).