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$4,572
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,715
−HK$144/mo
Today · 4.125%
HK$4,859
baseline
▲ 0.50% · 4.625%
HK$5,155
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,718/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$5,087
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,223
−HK$139/mo
Today · 4.125%
HK$5,362
baseline
▲ 0.50% · 4.625%
HK$5,644
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,724/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$5,487
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,658
−HK$173/mo
Today · 4.125%
HK$5,831
baseline
▲ 0.50% · 4.625%
HK$6,186
+HK$355/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$11,662/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,104
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,268
−HK$166/mo
Today · 4.125%
HK$6,434
baseline
▲ 0.50% · 4.625%
HK$6,773
+HK$339/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$12,868/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,401
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,601
−HK$202/mo
Today · 4.125%
HK$6,803
baseline
▲ 0.50% · 4.625%
HK$7,217
+HK$414/mo
Deposit HK$602K · loan HK$1.40M · min. income ≈ HK$13,606/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$7,122
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$193/mo
Today · 4.125%
HK$7,506
baseline
▲ 0.50% · 4.625%
HK$7,902
+HK$396/mo
Deposit HK$602K · loan HK$1.40M · min. income ≈ HK$15,012/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$8,230
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,486
−HK$261/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,279
+HK$532/mo
Deposit HK$201K · loan HK$1.80M · min. income ≈ HK$17,494/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$9,156
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,402
−HK$249/mo
Today · 4.125%
HK$9,651
baseline
▲ 0.50% · 4.625%
HK$10,160
+HK$509/mo
Deposit HK$201K · loan HK$1.80M · min. income ≈ HK$19,302/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).