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$5,072
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,229
−HK$161/mo
Today · 4.125%
HK$5,390
baseline
▲ 0.50% · 4.625%
HK$5,718
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,780/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$5,642
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,793
−HK$154/mo
Today · 4.125%
HK$5,947
baseline
▲ 0.50% · 4.625%
HK$6,260
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,894/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$6,086
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,275
−HK$193/mo
Today · 4.125%
HK$6,468
baseline
▲ 0.50% · 4.625%
HK$6,861
+HK$393/mo
Deposit HK$890K · loan HK$1.33M · min. income ≈ HK$12,936/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,771
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,952
−HK$184/mo
Today · 4.125%
HK$7,136
baseline
▲ 0.50% · 4.625%
HK$7,512
+HK$376/mo
Deposit HK$890K · loan HK$1.33M · min. income ≈ HK$14,272/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,100
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,321
−HK$225/mo
Today · 4.125%
HK$7,546
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$459/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$15,092/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$7,899
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,111
−HK$215/mo
Today · 4.125%
HK$8,326
baseline
▲ 0.50% · 4.625%
HK$8,765
+HK$439/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$16,652/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$9,129
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,413
−HK$288/mo
Today · 4.125%
HK$9,701
baseline
▲ 0.50% · 4.625%
HK$10,292
+HK$591/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,402/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$10,156
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$276/mo
Today · 4.125%
HK$10,704
baseline
▲ 0.50% · 4.625%
HK$11,269
+HK$565/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,408/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).