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$5,078
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,236
−HK$160/mo
Today · 4.125%
HK$5,396
baseline
▲ 0.50% · 4.625%
HK$5,724
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,792/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$5,649
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,800
−HK$154/mo
Today · 4.125%
HK$5,954
baseline
▲ 0.50% · 4.625%
HK$6,268
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,908/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$6,093
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,283
−HK$192/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,869
+HK$394/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$12,950/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$6,779
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,960
−HK$185/mo
Today · 4.125%
HK$7,145
baseline
▲ 0.50% · 4.625%
HK$7,521
+HK$376/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$14,290/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$7,109
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,330
−HK$225/mo
Today · 4.125%
HK$7,555
baseline
▲ 0.50% · 4.625%
HK$8,014
+HK$459/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,110/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$7,908
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,120
−HK$216/mo
Today · 4.125%
HK$8,336
baseline
▲ 0.50% · 4.625%
HK$8,775
+HK$439/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,672/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$9,140
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$289/mo
Today · 4.125%
HK$9,713
baseline
▲ 0.50% · 4.625%
HK$10,304
+HK$591/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$19,426/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$10,168
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$276/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$565/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$21,434/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).