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$5,075
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,233
−HK$161/mo
Today · 4.125%
HK$5,394
baseline
▲ 0.50% · 4.625%
HK$5,722
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,788/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$5,646
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,798
−HK$153/mo
Today · 4.125%
HK$5,951
baseline
▲ 0.50% · 4.625%
HK$6,265
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,902/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$6,090
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,280
−HK$192/mo
Today · 4.125%
HK$6,472
baseline
▲ 0.50% · 4.625%
HK$6,866
+HK$394/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$12,944/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,776
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,957
−HK$185/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,518
+HK$376/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$14,284/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,105
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,327
−HK$224/mo
Today · 4.125%
HK$7,551
baseline
▲ 0.50% · 4.625%
HK$8,011
+HK$460/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,102/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,905
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,117
−HK$215/mo
Today · 4.125%
HK$8,332
baseline
▲ 0.50% · 4.625%
HK$8,771
+HK$439/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,664/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,136
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,420
−HK$289/mo
Today · 4.125%
HK$9,709
baseline
▲ 0.50% · 4.625%
HK$10,299
+HK$590/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$19,418/mo (50% DSR)
Upfront cash ≈ HK$223K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,163
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,436
−HK$276/mo
Today · 4.125%
HK$10,712
baseline
▲ 0.50% · 4.625%
HK$11,277
+HK$565/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$21,424/mo (50% DSR)
Upfront cash ≈ HK$223K (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).