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$4,562
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,704
−HK$144/mo
Today · 4.125%
HK$4,848
baseline
▲ 0.50% · 4.625%
HK$5,143
+HK$295/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,696/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$5,075
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,211
−HK$138/mo
Today · 4.125%
HK$5,349
baseline
▲ 0.50% · 4.625%
HK$5,631
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,698/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$5,474
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,644
−HK$173/mo
Today · 4.125%
HK$5,817
baseline
▲ 0.50% · 4.625%
HK$6,171
+HK$354/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$11,634/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$6,090
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,253
−HK$166/mo
Today · 4.125%
HK$6,419
baseline
▲ 0.50% · 4.625%
HK$6,757
+HK$338/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$12,838/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$6,387
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,585
−HK$202/mo
Today · 4.125%
HK$6,787
baseline
▲ 0.50% · 4.625%
HK$7,200
+HK$413/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$13,574/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$7,105
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,295
−HK$194/mo
Today · 4.125%
HK$7,489
baseline
▲ 0.50% · 4.625%
HK$7,884
+HK$395/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$14,978/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$8,211
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,467
−HK$259/mo
Today · 4.125%
HK$8,726
baseline
▲ 0.50% · 4.625%
HK$9,257
+HK$531/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,452/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$9,135
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$248/mo
Today · 4.125%
HK$9,628
baseline
▲ 0.50% · 4.625%
HK$10,136
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,256/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).