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$5,114
+HK$294/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$273/mo
▼ 0.25% · 3.875%
HK$5,182
−HK$137/mo
Today · 4.125%
HK$5,319
baseline
▲ 0.50% · 4.625%
HK$5,599
+HK$280/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$10,638/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$328/mo
▼ 0.25% · 3.875%
HK$6,218
−HK$165/mo
Today · 4.125%
HK$6,383
baseline
▲ 0.50% · 4.625%
HK$6,719
+HK$336/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$12,766/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$399/mo
▼ 0.25% · 3.875%
HK$6,548
−HK$201/mo
Today · 4.125%
HK$6,749
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$410/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$13,498/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$7,065
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,254
−HK$192/mo
Today · 4.125%
HK$7,446
baseline
▲ 0.50% · 4.625%
HK$7,839
+HK$393/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$8,165
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,419
−HK$258/mo
Today · 4.125%
HK$8,677
baseline
▲ 0.50% · 4.625%
HK$9,205
+HK$528/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,354/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$491/mo
▼ 0.25% · 3.875%
HK$9,327
−HK$247/mo
Today · 4.125%
HK$9,574
baseline
▲ 0.50% · 4.625%
HK$10,079
+HK$505/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,148/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).