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$4,560
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,702
−HK$144/mo
Today · 4.125%
HK$4,846
baseline
▲ 0.50% · 4.625%
HK$5,141
+HK$295/mo
Deposit HK$1000K · loan HK$1000K · min. income ≈ HK$9,692/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,073
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,209
−HK$138/mo
Today · 4.125%
HK$5,347
baseline
▲ 0.50% · 4.625%
HK$5,629
+HK$282/mo
Deposit HK$1000K · loan HK$1000K · min. income ≈ HK$10,694/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,472
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,642
−HK$173/mo
Today · 4.125%
HK$5,815
baseline
▲ 0.50% · 4.625%
HK$6,169
+HK$354/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$11,630/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$6,088
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,251
−HK$166/mo
Today · 4.125%
HK$6,417
baseline
▲ 0.50% · 4.625%
HK$6,755
+HK$338/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$12,834/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$6,384
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,583
−HK$201/mo
Today · 4.125%
HK$6,784
baseline
▲ 0.50% · 4.625%
HK$7,197
+HK$413/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$13,568/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$7,102
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,293
−HK$193/mo
Today · 4.125%
HK$7,486
baseline
▲ 0.50% · 4.625%
HK$7,881
+HK$395/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$14,972/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$8,208
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,463
−HK$260/mo
Today · 4.125%
HK$8,723
baseline
▲ 0.50% · 4.625%
HK$9,254
+HK$531/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,446/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$9,131
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$249/mo
Today · 4.125%
HK$9,625
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$507/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,250/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).