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$5,067
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,224
−HK$160/mo
Today · 4.125%
HK$5,384
baseline
▲ 0.50% · 4.625%
HK$5,712
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,768/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$5,637
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,788
−HK$153/mo
Today · 4.125%
HK$5,941
baseline
▲ 0.50% · 4.625%
HK$6,254
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,882/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$6,080
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,269
−HK$192/mo
Today · 4.125%
HK$6,461
baseline
▲ 0.50% · 4.625%
HK$6,855
+HK$394/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$12,922/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,764
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,945
−HK$184/mo
Today · 4.125%
HK$7,129
baseline
▲ 0.50% · 4.625%
HK$7,505
+HK$376/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$14,258/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,093
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,314
−HK$224/mo
Today · 4.125%
HK$7,538
baseline
▲ 0.50% · 4.625%
HK$7,997
+HK$459/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$15,076/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,891
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,103
−HK$215/mo
Today · 4.125%
HK$8,318
baseline
▲ 0.50% · 4.625%
HK$8,756
+HK$438/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$16,636/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,120
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,404
−HK$288/mo
Today · 4.125%
HK$9,692
baseline
▲ 0.50% · 4.625%
HK$10,282
+HK$590/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,384/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$10,146
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,418
−HK$276/mo
Today · 4.125%
HK$10,694
baseline
▲ 0.50% · 4.625%
HK$11,258
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,388/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).