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$4,558
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,700
−HK$144/mo
Today · 4.125%
HK$4,844
baseline
▲ 0.50% · 4.625%
HK$5,138
+HK$294/mo
Deposit HK$999K · loan HK$999K · min. income ≈ HK$9,688/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,071
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,207
−HK$138/mo
Today · 4.125%
HK$5,345
baseline
▲ 0.50% · 4.625%
HK$5,626
+HK$281/mo
Deposit HK$999K · loan HK$999K · min. income ≈ HK$10,690/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,469
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,640
−HK$172/mo
Today · 4.125%
HK$5,812
baseline
▲ 0.50% · 4.625%
HK$6,166
+HK$354/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$11,624/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,085
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,248
−HK$165/mo
Today · 4.125%
HK$6,413
baseline
▲ 0.50% · 4.625%
HK$6,752
+HK$339/mo
Deposit HK$800K · loan HK$1.20M · min. income ≈ HK$12,826/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,381
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,580
−HK$201/mo
Today · 4.125%
HK$6,781
baseline
▲ 0.50% · 4.625%
HK$7,194
+HK$413/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$13,562/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,099
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,289
−HK$193/mo
Today · 4.125%
HK$7,482
baseline
▲ 0.50% · 4.625%
HK$7,877
+HK$395/mo
Deposit HK$600K · loan HK$1.40M · min. income ≈ HK$14,964/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,204
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,459
−HK$260/mo
Today · 4.125%
HK$8,719
baseline
▲ 0.50% · 4.625%
HK$9,249
+HK$530/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,438/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$9,127
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,372
−HK$248/mo
Today · 4.125%
HK$9,620
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$507/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,240/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).