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$5,080
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,238
−HK$161/mo
Today · 4.125%
HK$5,399
baseline
▲ 0.50% · 4.625%
HK$5,727
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,798/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$5,652
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,803
−HK$154/mo
Today · 4.125%
HK$5,957
baseline
▲ 0.50% · 4.625%
HK$6,271
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,914/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$6,096
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,286
−HK$193/mo
Today · 4.125%
HK$6,479
baseline
▲ 0.50% · 4.625%
HK$6,873
+HK$394/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$12,958/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$6,782
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,964
−HK$185/mo
Today · 4.125%
HK$7,149
baseline
▲ 0.50% · 4.625%
HK$7,525
+HK$376/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$14,298/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$7,113
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,334
−HK$225/mo
Today · 4.125%
HK$7,559
baseline
▲ 0.50% · 4.625%
HK$8,018
+HK$459/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,118/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$7,913
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,125
−HK$215/mo
Today · 4.125%
HK$8,340
baseline
▲ 0.50% · 4.625%
HK$8,780
+HK$440/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,680/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$9,145
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$289/mo
Today · 4.125%
HK$9,718
baseline
▲ 0.50% · 4.625%
HK$10,309
+HK$591/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,436/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$10,173
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$277/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,288
+HK$565/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,446/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).