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$4,567
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,709
−HK$144/mo
Today · 4.125%
HK$4,853
baseline
▲ 0.50% · 4.625%
HK$5,149
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,706/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$5,081
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,217
−HK$138/mo
Today · 4.125%
HK$5,355
baseline
▲ 0.50% · 4.625%
HK$5,638
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,710/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$5,480
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,651
−HK$173/mo
Today · 4.125%
HK$5,824
baseline
▲ 0.50% · 4.625%
HK$6,178
+HK$354/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$11,648/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$6,097
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,260
−HK$166/mo
Today · 4.125%
HK$6,426
baseline
▲ 0.50% · 4.625%
HK$6,765
+HK$339/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$12,852/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$6,394
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,593
−HK$202/mo
Today · 4.125%
HK$6,795
baseline
▲ 0.50% · 4.625%
HK$7,208
+HK$413/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,590/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$7,113
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,304
−HK$193/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,893
+HK$396/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$14,994/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$8,221
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,476
−HK$260/mo
Today · 4.125%
HK$8,736
baseline
▲ 0.50% · 4.625%
HK$9,268
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,472/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$9,145
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,391
−HK$248/mo
Today · 4.125%
HK$9,639
baseline
▲ 0.50% · 4.625%
HK$10,148
+HK$509/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,278/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).