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$4,565
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,707
−HK$144/mo
Today · 4.125%
HK$4,851
baseline
▲ 0.50% · 4.625%
HK$5,146
+HK$295/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,702/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$5,078
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,214
−HK$138/mo
Today · 4.125%
HK$5,352
baseline
▲ 0.50% · 4.625%
HK$5,634
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,704/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$5,477
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,648
−HK$173/mo
Today · 4.125%
HK$5,821
baseline
▲ 0.50% · 4.625%
HK$6,175
+HK$354/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$11,642/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$6,094
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,257
−HK$166/mo
Today · 4.125%
HK$6,423
baseline
▲ 0.50% · 4.625%
HK$6,761
+HK$338/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$12,846/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$6,390
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,589
−HK$202/mo
Today · 4.125%
HK$6,791
baseline
▲ 0.50% · 4.625%
HK$7,204
+HK$413/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,582/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,109
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$193/mo
Today · 4.125%
HK$7,493
baseline
▲ 0.50% · 4.625%
HK$7,888
+HK$395/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$14,986/mo (50% DSR)
Upfront cash ≈ HK$601K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,216
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,472
−HK$259/mo
Today · 4.125%
HK$8,731
baseline
▲ 0.50% · 4.625%
HK$9,263
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,462/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$9,140
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$248/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,142
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,268/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).