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$4,569
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,711
−HK$145/mo
Today · 4.125%
HK$4,856
baseline
▲ 0.50% · 4.625%
HK$5,151
+HK$295/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$5,083
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,219
−HK$139/mo
Today · 4.125%
HK$5,358
baseline
▲ 0.50% · 4.625%
HK$5,640
+HK$282/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$5,483
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,653
−HK$174/mo
Today · 4.125%
HK$5,827
baseline
▲ 0.50% · 4.625%
HK$6,181
+HK$354/mo
Deposit HK$801K · 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$329/mo
▼ 0.25% · 3.875%
HK$6,263
−HK$166/mo
Today · 4.125%
HK$6,429
baseline
▲ 0.50% · 4.625%
HK$6,768
+HK$339/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$12,858/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$6,397
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,596
−HK$202/mo
Today · 4.125%
HK$6,798
baseline
▲ 0.50% · 4.625%
HK$7,211
+HK$413/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,596/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$7,116
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,307
−HK$194/mo
Today · 4.125%
HK$7,501
baseline
▲ 0.50% · 4.625%
HK$7,896
+HK$395/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$15,002/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$8,224
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,480
−HK$260/mo
Today · 4.125%
HK$8,740
baseline
▲ 0.50% · 4.625%
HK$9,272
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,480/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$9,149
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$249/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,152
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,288/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).