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$5,042
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,199
−HK$159/mo
Today · 4.125%
HK$5,358
baseline
▲ 0.50% · 4.625%
HK$5,684
+HK$326/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,716/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$5,609
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$152/mo
Today · 4.125%
HK$5,912
baseline
▲ 0.50% · 4.625%
HK$6,224
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,824/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$6,050
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$191/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,821
+HK$391/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$12,860/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,731
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$183/mo
Today · 4.125%
HK$7,095
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$374/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$14,190/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,059
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$224/mo
Today · 4.125%
HK$7,502
baseline
▲ 0.50% · 4.625%
HK$7,958
+HK$456/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$15,004/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,853
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,064
−HK$213/mo
Today · 4.125%
HK$8,277
baseline
▲ 0.50% · 4.625%
HK$8,714
+HK$437/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$16,554/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,076
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,358
−HK$287/mo
Today · 4.125%
HK$9,645
baseline
▲ 0.50% · 4.625%
HK$10,232
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,290/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,097
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,367
−HK$275/mo
Today · 4.125%
HK$10,642
baseline
▲ 0.50% · 4.625%
HK$11,203
+HK$561/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,284/mo (50% DSR)
Upfront cash ≈ HK$221K (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).