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$5,043
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,200
−HK$159/mo
Today · 4.125%
HK$5,359
baseline
▲ 0.50% · 4.625%
HK$5,685
+HK$326/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,718/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$5,610
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$153/mo
Today · 4.125%
HK$5,913
baseline
▲ 0.50% · 4.625%
HK$6,225
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,826/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$6,051
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,240
−HK$191/mo
Today · 4.125%
HK$6,431
baseline
▲ 0.50% · 4.625%
HK$6,822
+HK$391/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$12,862/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,732
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,913
−HK$183/mo
Today · 4.125%
HK$7,096
baseline
▲ 0.50% · 4.625%
HK$7,470
+HK$374/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$14,192/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,060
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,279
−HK$224/mo
Today · 4.125%
HK$7,503
baseline
▲ 0.50% · 4.625%
HK$7,959
+HK$456/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$15,006/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,854
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$213/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,715
+HK$437/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$16,556/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,077
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,359
−HK$287/mo
Today · 4.125%
HK$9,646
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,292/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,098
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$275/mo
Today · 4.125%
HK$10,644
baseline
▲ 0.50% · 4.625%
HK$11,205
+HK$561/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,288/mo (50% DSR)
Upfront cash ≈ HK$221K (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).