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$5,081
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,239
−HK$160/mo
Today · 4.125%
HK$5,399
baseline
▲ 0.50% · 4.625%
HK$5,728
+HK$329/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$306/mo
▼ 0.25% · 3.875%
HK$5,804
−HK$154/mo
Today · 4.125%
HK$5,958
baseline
▲ 0.50% · 4.625%
HK$6,272
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,916/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$6,097
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,287
−HK$192/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$6,783
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,965
−HK$184/mo
Today · 4.125%
HK$7,149
baseline
▲ 0.50% · 4.625%
HK$7,526
+HK$377/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$8,019
+HK$460/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,118/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,913
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,125
−HK$216/mo
Today · 4.125%
HK$8,341
baseline
▲ 0.50% · 4.625%
HK$8,780
+HK$439/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,682/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,145
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,430
−HK$289/mo
Today · 4.125%
HK$9,719
baseline
▲ 0.50% · 4.625%
HK$10,310
+HK$591/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,438/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$10,174
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,447
−HK$277/mo
Today · 4.125%
HK$10,724
baseline
▲ 0.50% · 4.625%
HK$11,289
+HK$565/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,448/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).