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$4,566
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,708
−HK$144/mo
Today · 4.125%
HK$4,852
baseline
▲ 0.50% · 4.625%
HK$5,147
+HK$295/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,704/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$5,079
−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$5,636
+HK$283/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$5,479
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,649
−HK$173/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$6,095
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,258
−HK$166/mo
Today · 4.125%
HK$6,424
baseline
▲ 0.50% · 4.625%
HK$6,763
+HK$339/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$12,848/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$6,392
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,591
−HK$202/mo
Today · 4.125%
HK$6,793
baseline
▲ 0.50% · 4.625%
HK$7,206
+HK$413/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,586/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$7,111
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$194/mo
Today · 4.125%
HK$7,495
baseline
▲ 0.50% · 4.625%
HK$7,890
+HK$395/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$14,990/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$8,218
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,474
−HK$259/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,265
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,466/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$9,142
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$248/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,144
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,272/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).