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$5,064
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,222
−HK$160/mo
Today · 4.125%
HK$5,382
baseline
▲ 0.50% · 4.625%
HK$5,709
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,764/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$5,634
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,785
−HK$153/mo
Today · 4.125%
HK$5,938
baseline
▲ 0.50% · 4.625%
HK$6,251
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,876/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$6,077
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,266
−HK$192/mo
Today · 4.125%
HK$6,458
baseline
▲ 0.50% · 4.625%
HK$6,851
+HK$393/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$12,916/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,761
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,942
−HK$184/mo
Today · 4.125%
HK$7,126
baseline
▲ 0.50% · 4.625%
HK$7,502
+HK$376/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$14,252/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,090
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,310
−HK$225/mo
Today · 4.125%
HK$7,535
baseline
▲ 0.50% · 4.625%
HK$7,993
+HK$458/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$15,070/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,888
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$215/mo
Today · 4.125%
HK$8,314
baseline
▲ 0.50% · 4.625%
HK$8,752
+HK$438/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$16,628/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,116
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,399
−HK$288/mo
Today · 4.125%
HK$9,687
baseline
▲ 0.50% · 4.625%
HK$10,277
+HK$590/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,374/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$10,141
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,413
−HK$276/mo
Today · 4.125%
HK$10,689
baseline
▲ 0.50% · 4.625%
HK$11,252
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,378/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).