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$4,573
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,716
−HK$144/mo
Today · 4.125%
HK$4,860
baseline
▲ 0.50% · 4.625%
HK$5,156
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,720/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$5,088
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,224
−HK$139/mo
Today · 4.125%
HK$5,363
baseline
▲ 0.50% · 4.625%
HK$5,645
+HK$282/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,726/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$5,488
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,659
−HK$173/mo
Today · 4.125%
HK$5,832
baseline
▲ 0.50% · 4.625%
HK$6,187
+HK$355/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$11,664/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$6,105
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,269
−HK$166/mo
Today · 4.125%
HK$6,435
baseline
▲ 0.50% · 4.625%
HK$6,774
+HK$339/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$12,870/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$6,403
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,602
−HK$202/mo
Today · 4.125%
HK$6,804
baseline
▲ 0.50% · 4.625%
HK$7,218
+HK$414/mo
Deposit HK$602K · loan HK$1.40M · min. income ≈ HK$13,608/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$7,123
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,314
−HK$194/mo
Today · 4.125%
HK$7,508
baseline
▲ 0.50% · 4.625%
HK$7,903
+HK$395/mo
Deposit HK$602K · loan HK$1.40M · min. income ≈ HK$15,016/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$8,232
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$260/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$532/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,496/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$9,158
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,404
−HK$249/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,162
+HK$509/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,306/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).