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$5,212
−HK$160/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$303/mo
▼ 0.25% · 3.875%
HK$5,774
−HK$153/mo
Today · 4.125%
HK$5,927
baseline
▲ 0.50% · 4.625%
HK$6,240
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,854/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$380/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$191/mo
Today · 4.125%
HK$6,446
baseline
▲ 0.50% · 4.625%
HK$6,838
+HK$392/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,892/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$6,748
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,929
−HK$184/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$7,297
−HK$224/mo
Today · 4.125%
HK$7,521
baseline
▲ 0.50% · 4.625%
HK$7,978
+HK$457/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$7,873
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,084
−HK$214/mo
Today · 4.125%
HK$8,298
baseline
▲ 0.50% · 4.625%
HK$8,736
+HK$438/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,596/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$9,099
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,382
−HK$287/mo
Today · 4.125%
HK$9,669
baseline
▲ 0.50% · 4.625%
HK$10,258
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,338/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$10,122
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,394
−HK$275/mo
Today · 4.125%
HK$10,669
baseline
▲ 0.50% · 4.625%
HK$11,232
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,338/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).