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$5,198
−HK$160/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$5,759
−HK$153/mo
Today · 4.125%
HK$5,912
baseline
▲ 0.50% · 4.625%
HK$6,223
+HK$311/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$379/mo
▼ 0.25% · 3.875%
HK$6,238
−HK$191/mo
Today · 4.125%
HK$6,429
baseline
▲ 0.50% · 4.625%
HK$6,820
+HK$391/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$12,858/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,730
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,911
−HK$183/mo
Today · 4.125%
HK$7,094
baseline
▲ 0.50% · 4.625%
HK$7,468
+HK$374/mo
Deposit HK$884K · loan HK$1.33M · min. income ≈ HK$14,188/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,058
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$223/mo
Today · 4.125%
HK$7,501
baseline
▲ 0.50% · 4.625%
HK$7,957
+HK$456/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$15,002/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$7,852
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,063
−HK$213/mo
Today · 4.125%
HK$8,276
baseline
▲ 0.50% · 4.625%
HK$8,713
+HK$437/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$16,552/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$9,075
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,357
−HK$287/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,231
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,288/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$10,096
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,366
−HK$275/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,202
+HK$561/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,282/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).