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$4,522
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,662
−HK$143/mo
Today · 4.125%
HK$4,805
baseline
▲ 0.50% · 4.625%
HK$5,097
+HK$292/mo
Deposit HK$991K · loan HK$991K · min. income ≈ HK$9,610/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,030
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,165
−HK$137/mo
Today · 4.125%
HK$5,302
baseline
▲ 0.50% · 4.625%
HK$5,581
+HK$279/mo
Deposit HK$991K · loan HK$991K · min. income ≈ HK$10,604/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,426
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,595
−HK$171/mo
Today · 4.125%
HK$5,766
baseline
▲ 0.50% · 4.625%
HK$6,117
+HK$351/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$11,532/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$6,036
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,198
−HK$164/mo
Today · 4.125%
HK$6,362
baseline
▲ 0.50% · 4.625%
HK$6,698
+HK$336/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$12,724/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$6,330
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,527
−HK$200/mo
Today · 4.125%
HK$6,727
baseline
▲ 0.50% · 4.625%
HK$7,136
+HK$409/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,454/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$7,042
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,231
−HK$192/mo
Today · 4.125%
HK$7,423
baseline
▲ 0.50% · 4.625%
HK$7,814
+HK$391/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,846/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$8,139
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,392
−HK$257/mo
Today · 4.125%
HK$8,649
baseline
▲ 0.50% · 4.625%
HK$9,175
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,298/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$9,054
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,297
−HK$246/mo
Today · 4.125%
HK$9,543
baseline
▲ 0.50% · 4.625%
HK$10,046
+HK$503/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,086/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).