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$4,523
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,664
−HK$143/mo
Today · 4.125%
HK$4,807
baseline
▲ 0.50% · 4.625%
HK$5,099
+HK$292/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$9,614/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$5,032
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,167
−HK$137/mo
Today · 4.125%
HK$5,304
baseline
▲ 0.50% · 4.625%
HK$5,583
+HK$279/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$10,608/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$5,428
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,597
−HK$171/mo
Today · 4.125%
HK$5,768
baseline
▲ 0.50% · 4.625%
HK$6,119
+HK$351/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$11,536/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,038
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$164/mo
Today · 4.125%
HK$6,364
baseline
▲ 0.50% · 4.625%
HK$6,700
+HK$336/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$12,728/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,332
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,529
−HK$200/mo
Today · 4.125%
HK$6,729
baseline
▲ 0.50% · 4.625%
HK$7,139
+HK$410/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,458/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$7,045
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,234
−HK$191/mo
Today · 4.125%
HK$7,425
baseline
▲ 0.50% · 4.625%
HK$7,817
+HK$392/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,850/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$8,142
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,395
−HK$257/mo
Today · 4.125%
HK$8,652
baseline
▲ 0.50% · 4.625%
HK$9,179
+HK$527/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$17,304/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$9,057
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,300
−HK$247/mo
Today · 4.125%
HK$9,547
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$503/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$19,094/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).