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$5,060
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,217
−HK$160/mo
Today · 4.125%
HK$5,377
baseline
▲ 0.50% · 4.625%
HK$5,704
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,754/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$5,629
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,780
−HK$153/mo
Today · 4.125%
HK$5,933
baseline
▲ 0.50% · 4.625%
HK$6,246
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,866/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$6,071
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,260
−HK$192/mo
Today · 4.125%
HK$6,452
baseline
▲ 0.50% · 4.625%
HK$6,845
+HK$393/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$12,904/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,754
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,936
−HK$183/mo
Today · 4.125%
HK$7,119
baseline
▲ 0.50% · 4.625%
HK$7,495
+HK$376/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$14,238/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,083
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,304
−HK$224/mo
Today · 4.125%
HK$7,528
baseline
▲ 0.50% · 4.625%
HK$7,986
+HK$458/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$15,056/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,880
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,092
−HK$214/mo
Today · 4.125%
HK$8,306
baseline
▲ 0.50% · 4.625%
HK$8,744
+HK$438/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$16,612/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,107
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,390
−HK$288/mo
Today · 4.125%
HK$9,678
baseline
▲ 0.50% · 4.625%
HK$10,267
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,356/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$10,132
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,403
−HK$276/mo
Today · 4.125%
HK$10,679
baseline
▲ 0.50% · 4.625%
HK$11,242
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,358/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).