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$5,075
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,233
−HK$160/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$5,646
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,797
−HK$154/mo
Today · 4.125%
HK$5,951
baseline
▲ 0.50% · 4.625%
HK$6,264
+HK$313/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,902/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$6,090
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,279
−HK$193/mo
Today · 4.125%
HK$6,472
baseline
▲ 0.50% · 4.625%
HK$6,865
+HK$393/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$12,944/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$6,775
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,956
−HK$185/mo
Today · 4.125%
HK$7,141
baseline
▲ 0.50% · 4.625%
HK$7,517
+HK$376/mo
Deposit HK$890K · loan HK$1.34M · min. income ≈ HK$14,282/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$7,105
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,326
−HK$224/mo
Today · 4.125%
HK$7,550
baseline
▲ 0.50% · 4.625%
HK$8,010
+HK$460/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$7,904
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$215/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,770
+HK$439/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,662/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$9,419
−HK$288/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$10,435
−HK$276/mo
Today · 4.125%
HK$10,711
baseline
▲ 0.50% · 4.625%
HK$11,276
+HK$565/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).