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$5,056
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,213
−HK$160/mo
Today · 4.125%
HK$5,373
baseline
▲ 0.50% · 4.625%
HK$5,700
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,746/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$5,624
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,775
−HK$153/mo
Today · 4.125%
HK$5,928
baseline
▲ 0.50% · 4.625%
HK$6,241
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,856/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$6,067
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$192/mo
Today · 4.125%
HK$6,447
baseline
▲ 0.50% · 4.625%
HK$6,839
+HK$392/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,894/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,749
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,930
−HK$184/mo
Today · 4.125%
HK$7,114
baseline
▲ 0.50% · 4.625%
HK$7,489
+HK$375/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$14,228/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,078
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,298
−HK$224/mo
Today · 4.125%
HK$7,522
baseline
▲ 0.50% · 4.625%
HK$7,979
+HK$457/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,044/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,874
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,085
−HK$214/mo
Today · 4.125%
HK$8,299
baseline
▲ 0.50% · 4.625%
HK$8,737
+HK$438/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,598/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,100
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$288/mo
Today · 4.125%
HK$9,671
baseline
▲ 0.50% · 4.625%
HK$10,259
+HK$588/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,342/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$10,124
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$276/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,233
+HK$562/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,342/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).