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$5,058
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,216
−HK$159/mo
Today · 4.125%
HK$5,375
baseline
▲ 0.50% · 4.625%
HK$5,702
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,750/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$5,627
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,778
−HK$153/mo
Today · 4.125%
HK$5,931
baseline
▲ 0.50% · 4.625%
HK$6,244
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,862/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$6,070
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,259
−HK$191/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,843
+HK$393/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,900/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$6,753
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$183/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,493
+HK$376/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$14,234/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$7,081
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,302
−HK$224/mo
Today · 4.125%
HK$7,526
baseline
▲ 0.50% · 4.625%
HK$7,983
+HK$457/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,052/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$7,878
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,089
−HK$215/mo
Today · 4.125%
HK$8,304
baseline
▲ 0.50% · 4.625%
HK$8,741
+HK$437/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,608/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$9,105
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$288/mo
Today · 4.125%
HK$9,676
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$588/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,352/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$10,129
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,401
−HK$275/mo
Today · 4.125%
HK$10,676
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,352/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).