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$5,069
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,227
−HK$160/mo
Today · 4.125%
HK$5,387
baseline
▲ 0.50% · 4.625%
HK$5,715
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,774/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$5,640
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,791
−HK$153/mo
Today · 4.125%
HK$5,944
baseline
▲ 0.50% · 4.625%
HK$6,258
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,888/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$6,083
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,272
−HK$193/mo
Today · 4.125%
HK$6,465
baseline
▲ 0.50% · 4.625%
HK$6,858
+HK$393/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$12,930/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,767
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,949
−HK$184/mo
Today · 4.125%
HK$7,133
baseline
▲ 0.50% · 4.625%
HK$7,509
+HK$376/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$14,266/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,097
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,318
−HK$224/mo
Today · 4.125%
HK$7,542
baseline
▲ 0.50% · 4.625%
HK$8,001
+HK$459/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$15,084/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,895
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,107
−HK$215/mo
Today · 4.125%
HK$8,322
baseline
▲ 0.50% · 4.625%
HK$8,761
+HK$439/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$16,644/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,125
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$288/mo
Today · 4.125%
HK$9,697
baseline
▲ 0.50% · 4.625%
HK$10,287
+HK$590/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,394/mo (50% DSR)
Upfront cash ≈ HK$222K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,151
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,423
−HK$277/mo
Today · 4.125%
HK$10,700
baseline
▲ 0.50% · 4.625%
HK$11,264
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,400/mo (50% DSR)
Upfront cash ≈ HK$222K (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).