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$5,049
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,206
−HK$160/mo
Today · 4.125%
HK$5,366
baseline
▲ 0.50% · 4.625%
HK$5,692
+HK$326/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,732/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$5,617
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,768
−HK$152/mo
Today · 4.125%
HK$5,920
baseline
▲ 0.50% · 4.625%
HK$6,232
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,840/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$6,059
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,247
−HK$192/mo
Today · 4.125%
HK$6,439
baseline
▲ 0.50% · 4.625%
HK$6,830
+HK$391/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$12,878/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,740
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,921
−HK$183/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,479
+HK$375/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$14,208/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,069
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,288
−HK$224/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,969
+HK$457/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$15,024/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,864
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,075
−HK$214/mo
Today · 4.125%
HK$8,289
baseline
▲ 0.50% · 4.625%
HK$8,725
+HK$436/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$16,578/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,088
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,371
−HK$287/mo
Today · 4.125%
HK$9,658
baseline
▲ 0.50% · 4.625%
HK$10,246
+HK$588/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,316/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$10,110
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,382
−HK$275/mo
Today · 4.125%
HK$10,657
baseline
▲ 0.50% · 4.625%
HK$11,218
+HK$561/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,314/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).