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$4,578
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,721
−HK$144/mo
Today · 4.125%
HK$4,865
baseline
▲ 0.50% · 4.625%
HK$5,162
+HK$297/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,730/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$5,093
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,230
−HK$139/mo
Today · 4.125%
HK$5,369
baseline
▲ 0.50% · 4.625%
HK$5,652
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,738/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$5,494
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,665
−HK$174/mo
Today · 4.125%
HK$5,839
baseline
▲ 0.50% · 4.625%
HK$6,194
+HK$355/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$11,678/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$6,112
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,276
−HK$166/mo
Today · 4.125%
HK$6,442
baseline
▲ 0.50% · 4.625%
HK$6,782
+HK$340/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$12,884/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$6,410
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,609
−HK$203/mo
Today · 4.125%
HK$6,812
baseline
▲ 0.50% · 4.625%
HK$7,226
+HK$414/mo
Deposit HK$602K · loan HK$1.41M · min. income ≈ HK$13,624/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$7,131
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,322
−HK$194/mo
Today · 4.125%
HK$7,516
baseline
▲ 0.50% · 4.625%
HK$7,912
+HK$396/mo
Deposit HK$602K · loan HK$1.41M · min. income ≈ HK$15,032/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$8,241
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,497
−HK$261/mo
Today · 4.125%
HK$8,758
baseline
▲ 0.50% · 4.625%
HK$9,291
+HK$533/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,516/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$9,168
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,414
−HK$249/mo
Today · 4.125%
HK$9,663
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$510/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,326/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).