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$4,519
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,659
−HK$143/mo
Today · 4.125%
HK$4,802
baseline
▲ 0.50% · 4.625%
HK$5,094
+HK$292/mo
Deposit HK$991K · loan HK$991K · min. income ≈ HK$9,604/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,027
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,162
−HK$137/mo
Today · 4.125%
HK$5,299
baseline
▲ 0.50% · 4.625%
HK$5,578
+HK$279/mo
Deposit HK$991K · loan HK$991K · min. income ≈ HK$10,598/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,422
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,591
−HK$172/mo
Today · 4.125%
HK$5,763
baseline
▲ 0.50% · 4.625%
HK$6,113
+HK$350/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$11,526/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,032
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,194
−HK$164/mo
Today · 4.125%
HK$6,358
baseline
▲ 0.50% · 4.625%
HK$6,694
+HK$336/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$12,716/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,326
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$200/mo
Today · 4.125%
HK$6,723
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$409/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,446/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$7,038
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,227
−HK$191/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,809
+HK$391/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,836/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$8,134
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,387
−HK$257/mo
Today · 4.125%
HK$8,644
baseline
▲ 0.50% · 4.625%
HK$9,170
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,288/mo (50% DSR)
Upfront cash ≈ HK$198K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,049
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,291
−HK$247/mo
Today · 4.125%
HK$9,538
baseline
▲ 0.50% · 4.625%
HK$10,040
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,076/mo (50% DSR)
Upfront cash ≈ HK$198K (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).