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$4,579
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,721
−HK$145/mo
Today · 4.125%
HK$4,866
baseline
▲ 0.50% · 4.625%
HK$5,162
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,732/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$5,094
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,231
−HK$138/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$5,495
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,666
−HK$173/mo
Today · 4.125%
HK$5,839
baseline
▲ 0.50% · 4.625%
HK$6,195
+HK$356/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$6,113
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,277
−HK$166/mo
Today · 4.125%
HK$6,443
baseline
▲ 0.50% · 4.625%
HK$6,783
+HK$340/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$12,886/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$6,411
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,610
−HK$203/mo
Today · 4.125%
HK$6,813
baseline
▲ 0.50% · 4.625%
HK$7,227
+HK$414/mo
Deposit HK$602K · loan HK$1.41M · min. income ≈ HK$13,626/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,132
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,323
−HK$194/mo
Today · 4.125%
HK$7,517
baseline
▲ 0.50% · 4.625%
HK$7,913
+HK$396/mo
Deposit HK$602K · loan HK$1.41M · min. income ≈ HK$15,034/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,242
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$260/mo
Today · 4.125%
HK$8,759
baseline
▲ 0.50% · 4.625%
HK$9,292
+HK$533/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,518/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$9,169
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,415
−HK$250/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,174
+HK$509/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,330/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).