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$4,555
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,696
−HK$144/mo
Today · 4.125%
HK$4,840
baseline
▲ 0.50% · 4.625%
HK$5,135
+HK$295/mo
Deposit HK$999K · loan HK$999K · min. income ≈ HK$9,680/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,067
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,203
−HK$138/mo
Today · 4.125%
HK$5,341
baseline
▲ 0.50% · 4.625%
HK$5,622
+HK$281/mo
Deposit HK$999K · loan HK$999K · min. income ≈ HK$10,682/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,466
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,636
−HK$172/mo
Today · 4.125%
HK$5,808
baseline
▲ 0.50% · 4.625%
HK$6,162
+HK$354/mo
Deposit HK$799K · loan HK$1.20M · min. income ≈ HK$11,616/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,081
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,244
−HK$165/mo
Today · 4.125%
HK$6,409
baseline
▲ 0.50% · 4.625%
HK$6,747
+HK$338/mo
Deposit HK$799K · loan HK$1.20M · min. income ≈ HK$12,818/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,377
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,575
−HK$201/mo
Today · 4.125%
HK$6,776
baseline
▲ 0.50% · 4.625%
HK$7,189
+HK$413/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$13,552/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,094
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,284
−HK$193/mo
Today · 4.125%
HK$7,477
baseline
▲ 0.50% · 4.625%
HK$7,871
+HK$394/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$14,954/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,199
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,454
−HK$259/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,243
+HK$530/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,426/mo (50% DSR)
Upfront cash ≈ HK$200K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,121
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,365
−HK$249/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,120
+HK$506/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,228/mo (50% DSR)
Upfront cash ≈ HK$200K (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).