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$5,074
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,231
−HK$161/mo
Today · 4.125%
HK$5,392
baseline
▲ 0.50% · 4.625%
HK$5,720
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,784/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$5,644
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,796
−HK$153/mo
Today · 4.125%
HK$5,949
baseline
▲ 0.50% · 4.625%
HK$6,263
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,898/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$6,088
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,278
−HK$192/mo
Today · 4.125%
HK$6,470
baseline
▲ 0.50% · 4.625%
HK$6,864
+HK$394/mo
Deposit HK$890K · loan HK$1.33M · min. income ≈ HK$12,940/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,773
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$184/mo
Today · 4.125%
HK$7,139
baseline
▲ 0.50% · 4.625%
HK$7,515
+HK$376/mo
Deposit HK$890K · loan HK$1.33M · min. income ≈ HK$14,278/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,103
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,324
−HK$224/mo
Today · 4.125%
HK$7,548
baseline
▲ 0.50% · 4.625%
HK$8,008
+HK$460/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,096/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,902
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,114
−HK$215/mo
Today · 4.125%
HK$8,329
baseline
▲ 0.50% · 4.625%
HK$8,768
+HK$439/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,658/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,132
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$289/mo
Today · 4.125%
HK$9,705
baseline
▲ 0.50% · 4.625%
HK$10,296
+HK$591/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,410/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$10,160
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,432
−HK$277/mo
Today · 4.125%
HK$10,709
baseline
▲ 0.50% · 4.625%
HK$11,273
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,418/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).