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$4,556
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,698
−HK$144/mo
Today · 4.125%
HK$4,842
baseline
▲ 0.50% · 4.625%
HK$5,136
+HK$294/mo
Deposit HK$999K · loan HK$999K · min. income ≈ HK$9,684/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$5,069
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,204
−HK$138/mo
Today · 4.125%
HK$5,342
baseline
▲ 0.50% · 4.625%
HK$5,624
+HK$282/mo
Deposit HK$999K · loan HK$999K · min. income ≈ HK$10,684/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$5,467
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,637
−HK$173/mo
Today · 4.125%
HK$5,810
baseline
▲ 0.50% · 4.625%
HK$6,164
+HK$354/mo
Deposit HK$799K · loan HK$1.20M · min. income ≈ HK$11,620/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$6,082
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,245
−HK$166/mo
Today · 4.125%
HK$6,411
baseline
▲ 0.50% · 4.625%
HK$6,749
+HK$338/mo
Deposit HK$799K · loan HK$1.20M · min. income ≈ HK$12,822/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$6,378
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,577
−HK$201/mo
Today · 4.125%
HK$6,778
baseline
▲ 0.50% · 4.625%
HK$7,191
+HK$413/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$13,556/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,096
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,286
−HK$193/mo
Today · 4.125%
HK$7,479
baseline
▲ 0.50% · 4.625%
HK$7,874
+HK$395/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$14,958/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,201
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,456
−HK$259/mo
Today · 4.125%
HK$8,715
baseline
▲ 0.50% · 4.625%
HK$9,245
+HK$530/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,430/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$9,123
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,368
−HK$248/mo
Today · 4.125%
HK$9,616
baseline
▲ 0.50% · 4.625%
HK$10,123
+HK$507/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,232/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).