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$4,550
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,691
−HK$144/mo
Today · 4.125%
HK$4,835
baseline
▲ 0.50% · 4.625%
HK$5,129
+HK$294/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$9,670/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,061
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,197
−HK$138/mo
Today · 4.125%
HK$5,335
baseline
▲ 0.50% · 4.625%
HK$5,616
+HK$281/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$10,670/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,459
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,629
−HK$173/mo
Today · 4.125%
HK$5,802
baseline
▲ 0.50% · 4.625%
HK$6,155
+HK$353/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$11,604/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,074
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,236
−HK$166/mo
Today · 4.125%
HK$6,402
baseline
▲ 0.50% · 4.625%
HK$6,739
+HK$337/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$12,804/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,369
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,568
−HK$201/mo
Today · 4.125%
HK$6,769
baseline
▲ 0.50% · 4.625%
HK$7,181
+HK$412/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$13,538/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,086
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,276
−HK$193/mo
Today · 4.125%
HK$7,469
baseline
▲ 0.50% · 4.625%
HK$7,862
+HK$393/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$14,938/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,189
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,444
−HK$259/mo
Today · 4.125%
HK$8,703
baseline
▲ 0.50% · 4.625%
HK$9,232
+HK$529/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,406/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$9,110
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,355
−HK$248/mo
Today · 4.125%
HK$9,603
baseline
▲ 0.50% · 4.625%
HK$10,109
+HK$506/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,206/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).