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$4,568
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,710
−HK$144/mo
Today · 4.125%
HK$4,854
baseline
▲ 0.50% · 4.625%
HK$5,150
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,708/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$5,082
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,218
−HK$138/mo
Today · 4.125%
HK$5,356
baseline
▲ 0.50% · 4.625%
HK$5,639
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,712/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$5,481
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,652
−HK$173/mo
Today · 4.125%
HK$5,825
baseline
▲ 0.50% · 4.625%
HK$6,180
+HK$355/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$11,650/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$6,098
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,262
−HK$166/mo
Today · 4.125%
HK$6,428
baseline
▲ 0.50% · 4.625%
HK$6,766
+HK$338/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$12,856/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$6,395
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,594
−HK$202/mo
Today · 4.125%
HK$6,796
baseline
▲ 0.50% · 4.625%
HK$7,210
+HK$414/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,592/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$7,114
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,305
−HK$194/mo
Today · 4.125%
HK$7,499
baseline
▲ 0.50% · 4.625%
HK$7,894
+HK$395/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$14,998/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$8,222
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,478
−HK$260/mo
Today · 4.125%
HK$8,738
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,476/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$9,147
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,392
−HK$249/mo
Today · 4.125%
HK$9,641
baseline
▲ 0.50% · 4.625%
HK$10,150
+HK$509/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,282/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).