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$5,059
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,216
−HK$160/mo
Today · 4.125%
HK$5,376
baseline
▲ 0.50% · 4.625%
HK$5,703
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,752/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$5,628
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,779
−HK$153/mo
Today · 4.125%
HK$5,932
baseline
▲ 0.50% · 4.625%
HK$6,245
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,864/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$6,071
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,260
−HK$191/mo
Today · 4.125%
HK$6,451
baseline
▲ 0.50% · 4.625%
HK$6,844
+HK$393/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,902/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$6,754
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$184/mo
Today · 4.125%
HK$7,119
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$375/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$14,238/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$7,083
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,303
−HK$224/mo
Today · 4.125%
HK$7,527
baseline
▲ 0.50% · 4.625%
HK$7,985
+HK$458/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$15,054/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$7,879
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,091
−HK$214/mo
Today · 4.125%
HK$8,305
baseline
▲ 0.50% · 4.625%
HK$8,743
+HK$438/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$16,610/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$9,106
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,389
−HK$288/mo
Today · 4.125%
HK$9,677
baseline
▲ 0.50% · 4.625%
HK$10,266
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,354/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$10,131
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$276/mo
Today · 4.125%
HK$10,678
baseline
▲ 0.50% · 4.625%
HK$11,241
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,356/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).