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$4,570
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,712
−HK$144/mo
Today · 4.125%
HK$4,856
baseline
▲ 0.50% · 4.625%
HK$5,152
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,712/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$5,084
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,220
−HK$138/mo
Today · 4.125%
HK$5,358
baseline
▲ 0.50% · 4.625%
HK$5,641
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,716/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$5,484
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,654
−HK$173/mo
Today · 4.125%
HK$5,827
baseline
▲ 0.50% · 4.625%
HK$6,182
+HK$355/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$11,654/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$6,100
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,264
−HK$166/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,769
+HK$339/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$12,860/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$6,398
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,597
−HK$202/mo
Today · 4.125%
HK$6,799
baseline
▲ 0.50% · 4.625%
HK$7,212
+HK$413/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,598/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$7,117
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,308
−HK$194/mo
Today · 4.125%
HK$7,502
baseline
▲ 0.50% · 4.625%
HK$7,897
+HK$395/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$15,004/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$8,225
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,481
−HK$260/mo
Today · 4.125%
HK$8,741
baseline
▲ 0.50% · 4.625%
HK$9,273
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,482/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$9,151
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,396
−HK$249/mo
Today · 4.125%
HK$9,645
baseline
▲ 0.50% · 4.625%
HK$10,153
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,290/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).