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$287/mo
▼ 0.25% · 3.875%
HK$4,712
−HK$145/mo
Today · 4.125%
HK$4,857
baseline
▲ 0.50% · 4.625%
HK$5,152
+HK$295/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,714/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$275/mo
▼ 0.25% · 3.875%
HK$5,221
−HK$138/mo
Today · 4.125%
HK$5,359
baseline
▲ 0.50% · 4.625%
HK$5,641
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,718/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$344/mo
▼ 0.25% · 3.875%
HK$5,655
−HK$173/mo
Today · 4.125%
HK$5,828
baseline
▲ 0.50% · 4.625%
HK$6,183
+HK$355/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$11,656/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$6,101
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,265
−HK$166/mo
Today · 4.125%
HK$6,431
baseline
▲ 0.50% · 4.625%
HK$6,770
+HK$339/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$12,862/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$7,213
+HK$414/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$7,118
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,309
−HK$193/mo
Today · 4.125%
HK$7,502
baseline
▲ 0.50% · 4.625%
HK$7,898
+HK$396/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$8,226
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,482
−HK$260/mo
Today · 4.125%
HK$8,742
baseline
▲ 0.50% · 4.625%
HK$9,274
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,484/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$9,152
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,397
−HK$249/mo
Today · 4.125%
HK$9,646
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,292/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).