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$5,054
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,212
−HK$159/mo
Today · 4.125%
HK$5,371
baseline
▲ 0.50% · 4.625%
HK$5,698
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,742/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$5,623
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,774
−HK$153/mo
Today · 4.125%
HK$5,927
baseline
▲ 0.50% · 4.625%
HK$6,239
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,854/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$6,065
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,254
−HK$192/mo
Today · 4.125%
HK$6,446
baseline
▲ 0.50% · 4.625%
HK$6,838
+HK$392/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,892/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,747
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,928
−HK$184/mo
Today · 4.125%
HK$7,112
baseline
▲ 0.50% · 4.625%
HK$7,487
+HK$375/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$14,224/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,076
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,296
−HK$224/mo
Today · 4.125%
HK$7,520
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$457/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,040/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$7,872
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,083
−HK$214/mo
Today · 4.125%
HK$8,297
baseline
▲ 0.50% · 4.625%
HK$8,735
+HK$438/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,594/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$9,098
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,381
−HK$287/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,257
+HK$589/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$19,336/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$10,121
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,393
−HK$275/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,230
+HK$562/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$21,336/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).