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$4,527
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,668
−HK$143/mo
Today · 4.125%
HK$4,811
baseline
▲ 0.50% · 4.625%
HK$5,104
+HK$293/mo
Deposit HK$993K · loan HK$993K · min. income ≈ HK$9,622/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$5,036
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,171
−HK$137/mo
Today · 4.125%
HK$5,308
baseline
▲ 0.50% · 4.625%
HK$5,588
+HK$280/mo
Deposit HK$993K · loan HK$993K · min. income ≈ HK$10,616/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$5,433
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,602
−HK$171/mo
Today · 4.125%
HK$5,773
baseline
▲ 0.50% · 4.625%
HK$6,124
+HK$351/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$11,546/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$6,044
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,206
−HK$164/mo
Today · 4.125%
HK$6,370
baseline
▲ 0.50% · 4.625%
HK$6,706
+HK$336/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,740/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$6,338
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,535
−HK$200/mo
Today · 4.125%
HK$6,735
baseline
▲ 0.50% · 4.625%
HK$7,145
+HK$410/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$13,470/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$7,051
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,240
−HK$192/mo
Today · 4.125%
HK$7,432
baseline
▲ 0.50% · 4.625%
HK$7,824
+HK$392/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$14,864/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$8,149
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,402
−HK$258/mo
Today · 4.125%
HK$8,660
baseline
▲ 0.50% · 4.625%
HK$9,187
+HK$527/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,320/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$9,065
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,309
−HK$246/mo
Today · 4.125%
HK$9,555
baseline
▲ 0.50% · 4.625%
HK$10,059
+HK$504/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,110/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).