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$4,563
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,705
−HK$144/mo
Today · 4.125%
HK$4,849
baseline
▲ 0.50% · 4.625%
HK$5,145
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,698/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,077
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,213
−HK$138/mo
Today · 4.125%
HK$5,351
baseline
▲ 0.50% · 4.625%
HK$5,633
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,702/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,476
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,646
−HK$173/mo
Today · 4.125%
HK$5,819
baseline
▲ 0.50% · 4.625%
HK$6,173
+HK$354/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$11,638/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,092
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$166/mo
Today · 4.125%
HK$6,421
baseline
▲ 0.50% · 4.625%
HK$6,760
+HK$339/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$12,842/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,389
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,587
−HK$202/mo
Today · 4.125%
HK$6,789
baseline
▲ 0.50% · 4.625%
HK$7,202
+HK$413/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$13,578/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,107
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,298
−HK$193/mo
Today · 4.125%
HK$7,491
baseline
▲ 0.50% · 4.625%
HK$7,886
+HK$395/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$14,982/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,214
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,469
−HK$260/mo
Today · 4.125%
HK$8,729
baseline
▲ 0.50% · 4.625%
HK$9,260
+HK$531/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,458/mo (50% DSR)
Upfront cash ≈ HK$200K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,138
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$249/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,139
+HK$507/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,264/mo (50% DSR)
Upfront cash ≈ HK$200K (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).