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$5,065
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,223
−HK$160/mo
Today · 4.125%
HK$5,383
baseline
▲ 0.50% · 4.625%
HK$5,711
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,766/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$5,635
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,786
−HK$154/mo
Today · 4.125%
HK$5,940
baseline
▲ 0.50% · 4.625%
HK$6,253
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,880/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$6,079
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,268
−HK$192/mo
Today · 4.125%
HK$6,460
baseline
▲ 0.50% · 4.625%
HK$6,853
+HK$393/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$12,920/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$6,762
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,944
−HK$184/mo
Today · 4.125%
HK$7,128
baseline
▲ 0.50% · 4.625%
HK$7,503
+HK$375/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$14,256/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$7,092
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,312
−HK$224/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,995
+HK$459/mo
Deposit HK$666K · loan HK$1.56M · min. income ≈ HK$15,072/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$7,889
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$215/mo
Today · 4.125%
HK$8,316
baseline
▲ 0.50% · 4.625%
HK$8,754
+HK$438/mo
Deposit HK$666K · loan HK$1.56M · min. income ≈ HK$16,632/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$9,118
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,401
−HK$289/mo
Today · 4.125%
HK$9,690
baseline
▲ 0.50% · 4.625%
HK$10,279
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,380/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$10,144
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,416
−HK$276/mo
Today · 4.125%
HK$10,692
baseline
▲ 0.50% · 4.625%
HK$11,255
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,384/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).