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$4,561
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,703
−HK$144/mo
Today · 4.125%
HK$4,847
baseline
▲ 0.50% · 4.625%
HK$5,142
+HK$295/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,694/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$5,074
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,210
−HK$138/mo
Today · 4.125%
HK$5,348
baseline
▲ 0.50% · 4.625%
HK$5,630
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,696/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$5,473
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,644
−HK$172/mo
Today · 4.125%
HK$5,816
baseline
▲ 0.50% · 4.625%
HK$6,170
+HK$354/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$11,632/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,089
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,252
−HK$166/mo
Today · 4.125%
HK$6,418
baseline
▲ 0.50% · 4.625%
HK$6,756
+HK$338/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$12,836/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,385
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,584
−HK$202/mo
Today · 4.125%
HK$6,786
baseline
▲ 0.50% · 4.625%
HK$7,199
+HK$413/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$13,572/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$7,104
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,294
−HK$194/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,882
+HK$394/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$14,976/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$8,210
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,465
−HK$260/mo
Today · 4.125%
HK$8,725
baseline
▲ 0.50% · 4.625%
HK$9,256
+HK$531/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,450/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$9,133
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,378
−HK$249/mo
Today · 4.125%
HK$9,627
baseline
▲ 0.50% · 4.625%
HK$10,134
+HK$507/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,254/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).