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$287/mo
▼ 0.25% · 3.875%
HK$4,710
−HK$145/mo
Today · 4.125%
HK$4,855
baseline
▲ 0.50% · 4.625%
HK$5,150
+HK$295/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,710/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$5,082
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,219
−HK$138/mo
Today · 4.125%
HK$5,357
baseline
▲ 0.50% · 4.625%
HK$5,639
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,714/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$5,482
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,652
−HK$174/mo
Today · 4.125%
HK$5,826
baseline
▲ 0.50% · 4.625%
HK$6,180
+HK$354/mo
Deposit HK$801K · loan HK$1.20M · min. income ≈ HK$11,652/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$6,099
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,262
−HK$166/mo
Today · 4.125%
HK$6,428
baseline
▲ 0.50% · 4.625%
HK$6,767
+HK$339/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$6,396
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,595
−HK$202/mo
Today · 4.125%
HK$6,797
baseline
▲ 0.50% · 4.625%
HK$7,210
+HK$413/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,594/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$7,115
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,306
−HK$193/mo
Today · 4.125%
HK$7,499
baseline
▲ 0.50% · 4.625%
HK$7,895
+HK$396/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$8,223
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,479
−HK$260/mo
Today · 4.125%
HK$8,739
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$531/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,478/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$9,148
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,393
−HK$249/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,150
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,284/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).