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$5,053
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,210
−HK$160/mo
Today · 4.125%
HK$5,370
baseline
▲ 0.50% · 4.625%
HK$5,696
+HK$326/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,740/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$5,621
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,772
−HK$153/mo
Today · 4.125%
HK$5,925
baseline
▲ 0.50% · 4.625%
HK$6,237
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,850/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$6,063
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,252
−HK$191/mo
Today · 4.125%
HK$6,443
baseline
▲ 0.50% · 4.625%
HK$6,836
+HK$393/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$12,886/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,745
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,926
−HK$184/mo
Today · 4.125%
HK$7,110
baseline
▲ 0.50% · 4.625%
HK$7,484
+HK$374/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$14,220/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,074
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,294
−HK$223/mo
Today · 4.125%
HK$7,517
baseline
▲ 0.50% · 4.625%
HK$7,975
+HK$458/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,034/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$7,870
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,081
−HK$214/mo
Today · 4.125%
HK$8,295
baseline
▲ 0.50% · 4.625%
HK$8,732
+HK$437/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,590/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$9,095
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,378
−HK$287/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,253
+HK$588/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$19,330/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$10,118
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$276/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$562/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$21,330/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).