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$5,066
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,224
−HK$160/mo
Today · 4.125%
HK$5,384
baseline
▲ 0.50% · 4.625%
HK$5,711
+HK$327/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$5,636
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,787
−HK$154/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$6,079
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,269
−HK$192/mo
Today · 4.125%
HK$6,461
baseline
▲ 0.50% · 4.625%
HK$6,854
+HK$393/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$6,763
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,945
−HK$184/mo
Today · 4.125%
HK$7,129
baseline
▲ 0.50% · 4.625%
HK$7,504
+HK$375/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$444/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$224/mo
Today · 4.125%
HK$7,537
baseline
▲ 0.50% · 4.625%
HK$7,996
+HK$459/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$15,074/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$426/mo
▼ 0.25% · 3.875%
HK$8,102
−HK$215/mo
Today · 4.125%
HK$8,317
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$438/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$16,634/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$9,119
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,403
−HK$288/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,281
+HK$590/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,382/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$10,145
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$276/mo
Today · 4.125%
HK$10,693
baseline
▲ 0.50% · 4.625%
HK$11,257
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,386/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).