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$4,575
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,717
−HK$145/mo
Today · 4.125%
HK$4,862
baseline
▲ 0.50% · 4.625%
HK$5,158
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,724/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$5,090
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,226
−HK$139/mo
Today · 4.125%
HK$5,365
baseline
▲ 0.50% · 4.625%
HK$5,647
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,730/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$5,490
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,661
−HK$173/mo
Today · 4.125%
HK$5,834
baseline
▲ 0.50% · 4.625%
HK$6,189
+HK$355/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$11,668/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,107
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,271
−HK$166/mo
Today · 4.125%
HK$6,437
baseline
▲ 0.50% · 4.625%
HK$6,777
+HK$340/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$12,874/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,405
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,604
−HK$203/mo
Today · 4.125%
HK$6,807
baseline
▲ 0.50% · 4.625%
HK$7,221
+HK$414/mo
Deposit HK$602K · loan HK$1.40M · min. income ≈ HK$13,614/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,125
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,316
−HK$194/mo
Today · 4.125%
HK$7,510
baseline
▲ 0.50% · 4.625%
HK$7,906
+HK$396/mo
Deposit HK$602K · loan HK$1.40M · min. income ≈ HK$15,020/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,235
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,491
−HK$260/mo
Today · 4.125%
HK$8,751
baseline
▲ 0.50% · 4.625%
HK$9,284
+HK$533/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,502/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$9,161
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,407
−HK$249/mo
Today · 4.125%
HK$9,656
baseline
▲ 0.50% · 4.625%
HK$10,165
+HK$509/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,312/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).