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$5,054
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,211
−HK$160/mo
Today · 4.125%
HK$5,371
baseline
▲ 0.50% · 4.625%
HK$5,698
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,742/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$5,622
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,773
−HK$153/mo
Today · 4.125%
HK$5,926
baseline
▲ 0.50% · 4.625%
HK$6,239
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,852/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$6,065
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,253
−HK$192/mo
Today · 4.125%
HK$6,445
baseline
▲ 0.50% · 4.625%
HK$6,837
+HK$392/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,890/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,747
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,928
−HK$183/mo
Today · 4.125%
HK$7,111
baseline
▲ 0.50% · 4.625%
HK$7,486
+HK$375/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$14,222/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,075
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,296
−HK$223/mo
Today · 4.125%
HK$7,519
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$458/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,038/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,871
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$215/mo
Today · 4.125%
HK$8,297
baseline
▲ 0.50% · 4.625%
HK$8,734
+HK$437/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,594/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,097
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$287/mo
Today · 4.125%
HK$9,667
baseline
▲ 0.50% · 4.625%
HK$10,256
+HK$589/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$19,334/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$10,120
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,392
−HK$275/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,229
+HK$562/mo
Deposit HK$222K · loan HK$1.99M · min. income ≈ HK$21,334/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).