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$4,526
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,667
−HK$143/mo
Today · 4.125%
HK$4,810
baseline
▲ 0.50% · 4.625%
HK$5,103
+HK$293/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$9,620/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,035
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,170
−HK$137/mo
Today · 4.125%
HK$5,307
baseline
▲ 0.50% · 4.625%
HK$5,587
+HK$280/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$10,614/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,431
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,600
−HK$172/mo
Today · 4.125%
HK$5,772
baseline
▲ 0.50% · 4.625%
HK$6,123
+HK$351/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$11,544/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$6,042
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,204
−HK$165/mo
Today · 4.125%
HK$6,369
baseline
▲ 0.50% · 4.625%
HK$6,704
+HK$335/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,738/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$6,337
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,534
−HK$200/mo
Today · 4.125%
HK$6,734
baseline
▲ 0.50% · 4.625%
HK$7,144
+HK$410/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,468/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,049
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,238
−HK$192/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,822
+HK$392/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,860/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,147
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$258/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,185
+HK$527/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$17,316/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$9,063
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$247/mo
Today · 4.125%
HK$9,553
baseline
▲ 0.50% · 4.625%
HK$10,057
+HK$504/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$19,106/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).