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$4,536
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,677
−HK$143/mo
Today · 4.125%
HK$4,820
baseline
▲ 0.50% · 4.625%
HK$5,113
+HK$293/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$9,640/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,046
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,181
−HK$137/mo
Today · 4.125%
HK$5,318
baseline
▲ 0.50% · 4.625%
HK$5,599
+HK$281/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$10,636/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,443
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$172/mo
Today · 4.125%
HK$5,784
baseline
▲ 0.50% · 4.625%
HK$6,136
+HK$352/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$11,568/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,055
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,217
−HK$165/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,719
+HK$337/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$12,764/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,350
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,547
−HK$201/mo
Today · 4.125%
HK$6,748
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$411/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$13,496/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,064
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,254
−HK$192/mo
Today · 4.125%
HK$7,446
baseline
▲ 0.50% · 4.625%
HK$7,838
+HK$392/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$14,892/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,164
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,418
−HK$258/mo
Today · 4.125%
HK$8,676
baseline
▲ 0.50% · 4.625%
HK$9,204
+HK$528/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,352/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$9,083
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,326
−HK$247/mo
Today · 4.125%
HK$9,573
baseline
▲ 0.50% · 4.625%
HK$10,078
+HK$505/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,146/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).