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$4,551
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,692
−HK$144/mo
Today · 4.125%
HK$4,836
baseline
▲ 0.50% · 4.625%
HK$5,130
+HK$294/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$9,672/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,063
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,198
−HK$138/mo
Today · 4.125%
HK$5,336
baseline
▲ 0.50% · 4.625%
HK$5,617
+HK$281/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$10,672/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,461
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,631
−HK$172/mo
Today · 4.125%
HK$5,803
baseline
▲ 0.50% · 4.625%
HK$6,156
+HK$353/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$11,606/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,075
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,238
−HK$165/mo
Today · 4.125%
HK$6,403
baseline
▲ 0.50% · 4.625%
HK$6,741
+HK$338/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$12,806/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,371
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,569
−HK$201/mo
Today · 4.125%
HK$6,770
baseline
▲ 0.50% · 4.625%
HK$7,182
+HK$412/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$13,540/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$7,088
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$192/mo
Today · 4.125%
HK$7,470
baseline
▲ 0.50% · 4.625%
HK$7,864
+HK$394/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$14,940/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$8,191
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,446
−HK$259/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,234
+HK$529/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,410/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$9,113
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,357
−HK$248/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,111
+HK$506/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,210/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).