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$4,545
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,686
−HK$144/mo
Today · 4.125%
HK$4,830
baseline
▲ 0.50% · 4.625%
HK$5,124
+HK$294/mo
Deposit HK$997K · loan HK$997K · min. income ≈ HK$9,660/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,056
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,192
−HK$138/mo
Today · 4.125%
HK$5,330
baseline
▲ 0.50% · 4.625%
HK$5,610
+HK$280/mo
Deposit HK$997K · loan HK$997K · min. income ≈ HK$10,660/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,454
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,624
−HK$172/mo
Today · 4.125%
HK$5,796
baseline
▲ 0.50% · 4.625%
HK$6,149
+HK$353/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$11,592/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,068
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,230
−HK$165/mo
Today · 4.125%
HK$6,395
baseline
▲ 0.50% · 4.625%
HK$6,733
+HK$338/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$12,790/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,363
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,561
−HK$201/mo
Today · 4.125%
HK$6,762
baseline
▲ 0.50% · 4.625%
HK$7,174
+HK$412/mo
Deposit HK$598K · loan HK$1.40M · min. income ≈ HK$13,524/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,079
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,269
−HK$192/mo
Today · 4.125%
HK$7,461
baseline
▲ 0.50% · 4.625%
HK$7,855
+HK$394/mo
Deposit HK$598K · loan HK$1.40M · min. income ≈ HK$14,922/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,181
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,436
−HK$258/mo
Today · 4.125%
HK$8,694
baseline
▲ 0.50% · 4.625%
HK$9,223
+HK$529/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,388/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$9,101
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,346
−HK$247/mo
Today · 4.125%
HK$9,593
baseline
▲ 0.50% · 4.625%
HK$10,099
+HK$506/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,186/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).