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$319/mo
▼ 0.25% · 3.875%
HK$5,234
−HK$161/mo
Today · 4.125%
HK$5,395
baseline
▲ 0.50% · 4.625%
HK$5,723
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,790/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$6,092
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,281
−HK$193/mo
Today · 4.125%
HK$6,474
baseline
▲ 0.50% · 4.625%
HK$6,868
+HK$394/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$12,948/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$6,959
−HK$184/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$446/mo
▼ 0.25% · 3.875%
HK$7,328
−HK$225/mo
Today · 4.125%
HK$7,553
baseline
▲ 0.50% · 4.625%
HK$8,012
+HK$459/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,106/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$8,773
+HK$440/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$9,422
−HK$288/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$10,438
−HK$276/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).