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$5,082
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,241
−HK$160/mo
Today · 4.125%
HK$5,401
baseline
▲ 0.50% · 4.625%
HK$5,730
+HK$329/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,802/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$5,654
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,806
−HK$154/mo
Today · 4.125%
HK$5,960
baseline
▲ 0.50% · 4.625%
HK$6,274
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,920/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$6,099
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,289
−HK$192/mo
Today · 4.125%
HK$6,481
baseline
▲ 0.50% · 4.625%
HK$6,876
+HK$395/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$12,962/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,785
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,967
−HK$185/mo
Today · 4.125%
HK$7,152
baseline
▲ 0.50% · 4.625%
HK$7,529
+HK$377/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$14,304/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,115
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,337
−HK$225/mo
Today · 4.125%
HK$7,562
baseline
▲ 0.50% · 4.625%
HK$8,022
+HK$460/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$15,124/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,916
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$216/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,783
+HK$439/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,688/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,148
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,433
−HK$289/mo
Today · 4.125%
HK$9,722
baseline
▲ 0.50% · 4.625%
HK$10,314
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,444/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$10,178
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,451
−HK$276/mo
Today · 4.125%
HK$10,727
baseline
▲ 0.50% · 4.625%
HK$11,293
+HK$566/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,454/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).