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$5,068
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,225
−HK$160/mo
Today · 4.125%
HK$5,385
baseline
▲ 0.50% · 4.625%
HK$5,713
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,770/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$5,638
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,789
−HK$153/mo
Today · 4.125%
HK$5,942
baseline
▲ 0.50% · 4.625%
HK$6,255
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,884/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$6,081
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,270
−HK$192/mo
Today · 4.125%
HK$6,462
baseline
▲ 0.50% · 4.625%
HK$6,856
+HK$394/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$12,924/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,765
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,947
−HK$184/mo
Today · 4.125%
HK$7,131
baseline
▲ 0.50% · 4.625%
HK$7,507
+HK$376/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$14,262/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,095
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$225/mo
Today · 4.125%
HK$7,540
baseline
▲ 0.50% · 4.625%
HK$7,998
+HK$458/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$15,080/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,893
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$215/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,758
+HK$439/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$16,638/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,122
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,405
−HK$289/mo
Today · 4.125%
HK$9,694
baseline
▲ 0.50% · 4.625%
HK$10,283
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,388/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$10,148
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$276/mo
Today · 4.125%
HK$10,696
baseline
▲ 0.50% · 4.625%
HK$11,260
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,392/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).