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$318/mo
▼ 0.25% · 3.875%
HK$5,221
−HK$160/mo
Today · 4.125%
HK$5,381
baseline
▲ 0.50% · 4.625%
HK$5,708
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,762/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$5,633
−HK$304/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$6,850
+HK$393/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$6,760
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,941
−HK$184/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,500
+HK$375/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$14,250/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$7,089
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,309
−HK$224/mo
Today · 4.125%
HK$7,533
baseline
▲ 0.50% · 4.625%
HK$7,992
+HK$459/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$7,886
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,098
−HK$214/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$9,114
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,398
−HK$288/mo
Today · 4.125%
HK$9,686
baseline
▲ 0.50% · 4.625%
HK$10,275
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,372/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$10,139
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,411
−HK$276/mo
Today · 4.125%
HK$10,687
baseline
▲ 0.50% · 4.625%
HK$11,251
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,374/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).