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$5,076
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,234
−HK$160/mo
Today · 4.125%
HK$5,394
baseline
▲ 0.50% · 4.625%
HK$5,723
+HK$329/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,788/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$5,647
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,799
−HK$153/mo
Today · 4.125%
HK$5,952
baseline
▲ 0.50% · 4.625%
HK$6,266
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,904/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$6,091
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,281
−HK$192/mo
Today · 4.125%
HK$6,473
baseline
▲ 0.50% · 4.625%
HK$6,867
+HK$394/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$12,946/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,777
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$185/mo
Today · 4.125%
HK$7,143
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$376/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$14,286/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,107
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,328
−HK$224/mo
Today · 4.125%
HK$7,552
baseline
▲ 0.50% · 4.625%
HK$8,012
+HK$460/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,104/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$7,906
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,118
−HK$215/mo
Today · 4.125%
HK$8,333
baseline
▲ 0.50% · 4.625%
HK$8,772
+HK$439/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,666/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$9,137
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$289/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,301
+HK$591/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$19,420/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$10,165
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$277/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,279
+HK$565/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$21,428/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).