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$5,079
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,237
−HK$160/mo
Today · 4.125%
HK$5,397
baseline
▲ 0.50% · 4.625%
HK$5,726
+HK$329/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,794/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$5,650
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,801
−HK$154/mo
Today · 4.125%
HK$5,955
baseline
▲ 0.50% · 4.625%
HK$6,269
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,910/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$6,094
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,284
−HK$193/mo
Today · 4.125%
HK$6,477
baseline
▲ 0.50% · 4.625%
HK$6,871
+HK$394/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$12,954/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,780
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,962
−HK$184/mo
Today · 4.125%
HK$7,146
baseline
▲ 0.50% · 4.625%
HK$7,523
+HK$377/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$14,292/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,110
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,331
−HK$225/mo
Today · 4.125%
HK$7,556
baseline
▲ 0.50% · 4.625%
HK$8,016
+HK$460/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,112/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$7,910
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$215/mo
Today · 4.125%
HK$8,337
baseline
▲ 0.50% · 4.625%
HK$8,777
+HK$440/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,674/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$9,142
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,426
−HK$289/mo
Today · 4.125%
HK$9,715
baseline
▲ 0.50% · 4.625%
HK$10,306
+HK$591/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$19,430/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$10,170
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$276/mo
Today · 4.125%
HK$10,719
baseline
▲ 0.50% · 4.625%
HK$11,284
+HK$565/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$21,438/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).