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$5,048
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,205
−HK$159/mo
Today · 4.125%
HK$5,364
baseline
▲ 0.50% · 4.625%
HK$5,691
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,728/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$5,616
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,766
−HK$153/mo
Today · 4.125%
HK$5,919
baseline
▲ 0.50% · 4.625%
HK$6,231
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,838/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$6,057
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,246
−HK$191/mo
Today · 4.125%
HK$6,437
baseline
▲ 0.50% · 4.625%
HK$6,829
+HK$392/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$12,874/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$6,739
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,920
−HK$183/mo
Today · 4.125%
HK$7,103
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$374/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$14,206/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$7,067
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,287
−HK$223/mo
Today · 4.125%
HK$7,510
baseline
▲ 0.50% · 4.625%
HK$7,967
+HK$457/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$15,020/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,862
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,073
−HK$214/mo
Today · 4.125%
HK$8,287
baseline
▲ 0.50% · 4.625%
HK$8,723
+HK$436/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$16,574/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,086
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,369
−HK$287/mo
Today · 4.125%
HK$9,656
baseline
▲ 0.50% · 4.625%
HK$10,243
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,312/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,108
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,379
−HK$275/mo
Today · 4.125%
HK$10,654
baseline
▲ 0.50% · 4.625%
HK$11,216
+HK$562/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,308/mo (50% DSR)
Upfront cash ≈ HK$221K (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).