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$5,063
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,220
−HK$160/mo
Today · 4.125%
HK$5,380
baseline
▲ 0.50% · 4.625%
HK$5,708
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,760/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$5,632
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,784
−HK$153/mo
Today · 4.125%
HK$5,937
baseline
▲ 0.50% · 4.625%
HK$6,250
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,874/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$6,076
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,265
−HK$192/mo
Today · 4.125%
HK$6,457
baseline
▲ 0.50% · 4.625%
HK$6,849
+HK$392/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$12,914/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,759
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,940
−HK$184/mo
Today · 4.125%
HK$7,124
baseline
▲ 0.50% · 4.625%
HK$7,500
+HK$376/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$14,248/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,088
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,309
−HK$224/mo
Today · 4.125%
HK$7,533
baseline
▲ 0.50% · 4.625%
HK$7,991
+HK$458/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$15,066/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,885
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,097
−HK$215/mo
Today · 4.125%
HK$8,312
baseline
▲ 0.50% · 4.625%
HK$8,750
+HK$438/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$16,624/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,113
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,397
−HK$288/mo
Today · 4.125%
HK$9,685
baseline
▲ 0.50% · 4.625%
HK$10,274
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,370/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$10,138
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,410
−HK$276/mo
Today · 4.125%
HK$10,686
baseline
▲ 0.50% · 4.625%
HK$11,250
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,372/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).