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$4,572
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,714
−HK$145/mo
Today · 4.125%
HK$4,859
baseline
▲ 0.50% · 4.625%
HK$5,154
+HK$295/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,718/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$5,086
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,223
−HK$138/mo
Today · 4.125%
HK$5,361
baseline
▲ 0.50% · 4.625%
HK$5,644
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,722/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$5,486
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,657
−HK$173/mo
Today · 4.125%
HK$5,830
baseline
▲ 0.50% · 4.625%
HK$6,185
+HK$355/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$11,660/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,103
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,267
−HK$166/mo
Today · 4.125%
HK$6,433
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$339/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$12,866/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,401
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,600
−HK$202/mo
Today · 4.125%
HK$6,802
baseline
▲ 0.50% · 4.625%
HK$7,216
+HK$414/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,604/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,121
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,312
−HK$193/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,901
+HK$396/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$15,010/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,229
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,485
−HK$260/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,278
+HK$533/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,490/mo (50% DSR)
Upfront cash ≈ HK$201K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,155
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,401
−HK$249/mo
Today · 4.125%
HK$9,650
baseline
▲ 0.50% · 4.625%
HK$10,158
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,300/mo (50% DSR)
Upfront cash ≈ HK$201K (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).