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$5,714
+HK$327/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$5,639
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,790
−HK$154/mo
Today · 4.125%
HK$5,944
baseline
▲ 0.50% · 4.625%
HK$6,257
+HK$313/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$381/mo
▼ 0.25% · 3.875%
HK$6,272
−HK$192/mo
Today · 4.125%
HK$6,464
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$393/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$12,928/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$365/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$184/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$376/mo
Deposit HK$889K · loan HK$1.33M · min. income ≈ HK$14,264/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$7,096
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,317
−HK$224/mo
Today · 4.125%
HK$7,541
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$459/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$15,082/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$426/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$215/mo
Today · 4.125%
HK$8,321
baseline
▲ 0.50% · 4.625%
HK$8,760
+HK$439/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$16,642/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$9,124
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,408
−HK$288/mo
Today · 4.125%
HK$9,696
baseline
▲ 0.50% · 4.625%
HK$10,286
+HK$590/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,392/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$10,150
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,423
−HK$276/mo
Today · 4.125%
HK$10,699
baseline
▲ 0.50% · 4.625%
HK$11,263
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,398/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).