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$5,060
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,218
−HK$160/mo
Today · 4.125%
HK$5,378
baseline
▲ 0.50% · 4.625%
HK$5,705
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,756/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$5,630
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,780
−HK$154/mo
Today · 4.125%
HK$5,934
baseline
▲ 0.50% · 4.625%
HK$6,246
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,868/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$6,072
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,261
−HK$192/mo
Today · 4.125%
HK$6,453
baseline
▲ 0.50% · 4.625%
HK$6,846
+HK$393/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$12,906/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$6,755
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$183/mo
Today · 4.125%
HK$7,120
baseline
▲ 0.50% · 4.625%
HK$7,496
+HK$376/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$14,240/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$7,084
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,305
−HK$224/mo
Today · 4.125%
HK$7,529
baseline
▲ 0.50% · 4.625%
HK$7,987
+HK$458/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$15,058/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$7,881
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,093
−HK$214/mo
Today · 4.125%
HK$8,307
baseline
▲ 0.50% · 4.625%
HK$8,745
+HK$438/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$16,614/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$9,109
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,392
−HK$288/mo
Today · 4.125%
HK$9,680
baseline
▲ 0.50% · 4.625%
HK$10,269
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,360/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$10,133
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,405
−HK$276/mo
Today · 4.125%
HK$10,681
baseline
▲ 0.50% · 4.625%
HK$11,244
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,362/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).