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$317/mo
▼ 0.25% · 3.875%
HK$5,200
−HK$160/mo
Today · 4.125%
HK$5,360
baseline
▲ 0.50% · 4.625%
HK$5,686
+HK$326/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,720/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$5,611
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,761
−HK$153/mo
Today · 4.125%
HK$5,914
baseline
▲ 0.50% · 4.625%
HK$6,226
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,828/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$6,052
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,240
−HK$192/mo
Today · 4.125%
HK$6,432
baseline
▲ 0.50% · 4.625%
HK$6,823
+HK$391/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$12,864/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$6,733
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,914
−HK$183/mo
Today · 4.125%
HK$7,097
baseline
▲ 0.50% · 4.625%
HK$7,471
+HK$374/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$14,194/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$7,061
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$224/mo
Today · 4.125%
HK$7,504
baseline
▲ 0.50% · 4.625%
HK$7,960
+HK$456/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$15,008/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$7,855
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,066
−HK$214/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,716
+HK$436/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$16,560/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$9,078
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,361
−HK$287/mo
Today · 4.125%
HK$9,648
baseline
▲ 0.50% · 4.625%
HK$10,235
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,296/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$10,099
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,370
−HK$275/mo
Today · 4.125%
HK$10,645
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$561/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,290/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).