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$5,079
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,215
−HK$138/mo
Today · 4.125%
HK$5,353
baseline
▲ 0.50% · 4.625%
HK$5,635
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,706/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$5,478
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,648
−HK$174/mo
Today · 4.125%
HK$5,822
baseline
▲ 0.50% · 4.625%
HK$6,176
+HK$354/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$11,644/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$6,258
−HK$165/mo
Today · 4.125%
HK$6,423
baseline
▲ 0.50% · 4.625%
HK$6,762
+HK$339/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$6,391
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,590
−HK$202/mo
Today · 4.125%
HK$6,792
baseline
▲ 0.50% · 4.625%
HK$7,205
+HK$413/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,584/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$7,110
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$193/mo
Today · 4.125%
HK$7,494
baseline
▲ 0.50% · 4.625%
HK$7,889
+HK$395/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$14,988/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$8,217
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$259/mo
Today · 4.125%
HK$8,732
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,464/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$9,141
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$249/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,270/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).