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$5,047
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,204
−HK$159/mo
Today · 4.125%
HK$5,363
baseline
▲ 0.50% · 4.625%
HK$5,690
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,726/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$5,615
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,765
−HK$153/mo
Today · 4.125%
HK$5,918
baseline
▲ 0.50% · 4.625%
HK$6,230
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,836/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$6,056
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,245
−HK$191/mo
Today · 4.125%
HK$6,436
baseline
▲ 0.50% · 4.625%
HK$6,828
+HK$392/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$12,872/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$6,737
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$183/mo
Today · 4.125%
HK$7,101
baseline
▲ 0.50% · 4.625%
HK$7,476
+HK$375/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$14,202/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$7,066
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,285
−HK$224/mo
Today · 4.125%
HK$7,509
baseline
▲ 0.50% · 4.625%
HK$7,966
+HK$457/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$15,018/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$7,860
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,071
−HK$214/mo
Today · 4.125%
HK$8,285
baseline
▲ 0.50% · 4.625%
HK$8,722
+HK$437/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$16,570/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$9,084
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,367
−HK$287/mo
Today · 4.125%
HK$9,654
baseline
▲ 0.50% · 4.625%
HK$10,241
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,308/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$10,106
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,377
−HK$275/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,214
+HK$562/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,304/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).