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$4,722
−HK$144/mo
Today · 4.125%
HK$4,866
baseline
▲ 0.50% · 4.625%
HK$5,163
+HK$297/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$276/mo
▼ 0.25% · 3.875%
HK$5,231
−HK$139/mo
Today · 4.125%
HK$5,370
baseline
▲ 0.50% · 4.625%
HK$5,653
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,740/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$345/mo
▼ 0.25% · 3.875%
HK$5,666
−HK$174/mo
Today · 4.125%
HK$5,840
baseline
▲ 0.50% · 4.625%
HK$6,195
+HK$355/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$11,680/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$331/mo
▼ 0.25% · 3.875%
HK$6,277
−HK$167/mo
Today · 4.125%
HK$6,444
baseline
▲ 0.50% · 4.625%
HK$6,783
+HK$339/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$12,888/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$7,228
+HK$415/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$386/mo
▼ 0.25% · 3.875%
HK$7,323
−HK$195/mo
Today · 4.125%
HK$7,518
baseline
▲ 0.50% · 4.625%
HK$7,914
+HK$396/mo
Deposit HK$602K · loan HK$1.41M · min. income ≈ HK$15,036/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$8,243
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$261/mo
Today · 4.125%
HK$8,760
baseline
▲ 0.50% · 4.625%
HK$9,293
+HK$533/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,520/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$9,170
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$249/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,175
+HK$510/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).