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$5,055
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,213
−HK$159/mo
Today · 4.125%
HK$5,372
baseline
▲ 0.50% · 4.625%
HK$5,699
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,744/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$5,624
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,775
−HK$153/mo
Today · 4.125%
HK$5,928
baseline
▲ 0.50% · 4.625%
HK$6,240
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,856/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$6,066
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$192/mo
Today · 4.125%
HK$6,447
baseline
▲ 0.50% · 4.625%
HK$6,839
+HK$392/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,894/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$6,749
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,930
−HK$183/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$375/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$14,226/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$7,077
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,298
−HK$223/mo
Today · 4.125%
HK$7,521
baseline
▲ 0.50% · 4.625%
HK$7,979
+HK$458/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,042/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$7,874
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,085
−HK$214/mo
Today · 4.125%
HK$8,299
baseline
▲ 0.50% · 4.625%
HK$8,736
+HK$437/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,598/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$9,100
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$287/mo
Today · 4.125%
HK$9,670
baseline
▲ 0.50% · 4.625%
HK$10,259
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,340/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$10,123
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$275/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,233
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,340/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).