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$4,525
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,666
−HK$143/mo
Today · 4.125%
HK$4,809
baseline
▲ 0.50% · 4.625%
HK$5,101
+HK$292/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$9,618/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,034
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,169
−HK$137/mo
Today · 4.125%
HK$5,306
baseline
▲ 0.50% · 4.625%
HK$5,586
+HK$280/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$10,612/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,430
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,599
−HK$171/mo
Today · 4.125%
HK$5,770
baseline
▲ 0.50% · 4.625%
HK$6,121
+HK$351/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$11,540/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,041
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,203
−HK$164/mo
Today · 4.125%
HK$6,367
baseline
▲ 0.50% · 4.625%
HK$6,703
+HK$336/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,734/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,335
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,532
−HK$200/mo
Today · 4.125%
HK$6,732
baseline
▲ 0.50% · 4.625%
HK$7,142
+HK$410/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,464/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,047
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,236
−HK$192/mo
Today · 4.125%
HK$7,428
baseline
▲ 0.50% · 4.625%
HK$7,820
+HK$392/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,856/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,145
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,398
−HK$258/mo
Today · 4.125%
HK$8,656
baseline
▲ 0.50% · 4.625%
HK$9,182
+HK$526/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$17,312/mo (50% DSR)
Upfront cash ≈ HK$199K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,061
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,304
−HK$246/mo
Today · 4.125%
HK$9,550
baseline
▲ 0.50% · 4.625%
HK$10,054
+HK$504/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$19,100/mo (50% DSR)
Upfront cash ≈ HK$199K (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).