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$5,042
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,199
−HK$160/mo
Today · 4.125%
HK$5,359
baseline
▲ 0.50% · 4.625%
HK$5,685
+HK$326/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,718/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$5,610
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$153/mo
Today · 4.125%
HK$5,913
baseline
▲ 0.50% · 4.625%
HK$6,224
+HK$311/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,826/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$6,051
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$191/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,822
+HK$392/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$12,860/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,732
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$183/mo
Today · 4.125%
HK$7,095
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$374/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$14,190/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,059
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,279
−HK$223/mo
Today · 4.125%
HK$7,502
baseline
▲ 0.50% · 4.625%
HK$7,959
+HK$457/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$15,004/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,854
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,064
−HK$214/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,714
+HK$436/mo
Deposit HK$663K · loan HK$1.55M · min. income ≈ HK$16,556/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,076
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,359
−HK$287/mo
Today · 4.125%
HK$9,646
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,292/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,097
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,368
−HK$275/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,204
+HK$561/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,286/mo (50% DSR)
Upfront cash ≈ HK$221K (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).