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$5,045
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,202
−HK$160/mo
Today · 4.125%
HK$5,362
baseline
▲ 0.50% · 4.625%
HK$5,688
+HK$326/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,724/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$5,613
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,764
−HK$152/mo
Today · 4.125%
HK$5,916
baseline
▲ 0.50% · 4.625%
HK$6,228
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,832/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$6,055
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,243
−HK$191/mo
Today · 4.125%
HK$6,434
baseline
▲ 0.50% · 4.625%
HK$6,826
+HK$392/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$12,868/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$6,736
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,916
−HK$184/mo
Today · 4.125%
HK$7,100
baseline
▲ 0.50% · 4.625%
HK$7,474
+HK$374/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$14,200/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$7,064
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,283
−HK$224/mo
Today · 4.125%
HK$7,507
baseline
▲ 0.50% · 4.625%
HK$7,963
+HK$456/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$15,014/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$7,858
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,069
−HK$214/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,719
+HK$436/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$16,566/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$9,082
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,364
−HK$287/mo
Today · 4.125%
HK$9,651
baseline
▲ 0.50% · 4.625%
HK$10,239
+HK$588/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,302/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$10,103
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,374
−HK$275/mo
Today · 4.125%
HK$10,649
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$562/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,298/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).