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$5,074
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,232
−HK$161/mo
Today · 4.125%
HK$5,393
baseline
▲ 0.50% · 4.625%
HK$5,721
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,786/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$5,645
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,797
−HK$153/mo
Today · 4.125%
HK$5,950
baseline
▲ 0.50% · 4.625%
HK$6,264
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,900/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$6,089
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,279
−HK$192/mo
Today · 4.125%
HK$6,471
baseline
▲ 0.50% · 4.625%
HK$6,865
+HK$394/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$12,942/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,774
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,956
−HK$184/mo
Today · 4.125%
HK$7,140
baseline
▲ 0.50% · 4.625%
HK$7,517
+HK$377/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$14,280/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,104
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,325
−HK$225/mo
Today · 4.125%
HK$7,550
baseline
▲ 0.50% · 4.625%
HK$8,009
+HK$459/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,100/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$7,903
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,115
−HK$215/mo
Today · 4.125%
HK$8,330
baseline
▲ 0.50% · 4.625%
HK$8,770
+HK$440/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,660/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$9,134
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,418
−HK$289/mo
Today · 4.125%
HK$9,707
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$591/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$19,414/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$10,162
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,434
−HK$277/mo
Today · 4.125%
HK$10,711
baseline
▲ 0.50% · 4.625%
HK$11,275
+HK$564/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$21,422/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).