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$4,576
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,718
−HK$145/mo
Today · 4.125%
HK$4,863
baseline
▲ 0.50% · 4.625%
HK$5,159
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,726/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$5,091
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,227
−HK$139/mo
Today · 4.125%
HK$5,366
baseline
▲ 0.50% · 4.625%
HK$5,648
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,732/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$5,491
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,662
−HK$173/mo
Today · 4.125%
HK$5,835
baseline
▲ 0.50% · 4.625%
HK$6,190
+HK$355/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$11,670/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$6,109
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,272
−HK$167/mo
Today · 4.125%
HK$6,439
baseline
▲ 0.50% · 4.625%
HK$6,778
+HK$339/mo
Deposit HK$803K · loan HK$1.20M · min. income ≈ HK$12,878/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$6,406
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,605
−HK$203/mo
Today · 4.125%
HK$6,808
baseline
▲ 0.50% · 4.625%
HK$7,222
+HK$414/mo
Deposit HK$602K · loan HK$1.40M · min. income ≈ HK$13,616/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$7,127
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,318
−HK$194/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$396/mo
Deposit HK$602K · loan HK$1.40M · min. income ≈ HK$15,024/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$8,236
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$260/mo
Today · 4.125%
HK$8,753
baseline
▲ 0.50% · 4.625%
HK$9,285
+HK$532/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,506/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$9,163
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$249/mo
Today · 4.125%
HK$9,658
baseline
▲ 0.50% · 4.625%
HK$10,167
+HK$509/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,316/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).