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$4,516
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,656
−HK$143/mo
Today · 4.125%
HK$4,799
baseline
▲ 0.50% · 4.625%
HK$5,091
+HK$292/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$9,598/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,024
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,158
−HK$137/mo
Today · 4.125%
HK$5,295
baseline
▲ 0.50% · 4.625%
HK$5,574
+HK$279/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$10,590/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,419
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,587
−HK$172/mo
Today · 4.125%
HK$5,759
baseline
▲ 0.50% · 4.625%
HK$6,109
+HK$350/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$11,518/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,028
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,190
−HK$164/mo
Today · 4.125%
HK$6,354
baseline
▲ 0.50% · 4.625%
HK$6,689
+HK$335/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$12,708/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,322
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,519
−HK$200/mo
Today · 4.125%
HK$6,719
baseline
▲ 0.50% · 4.625%
HK$7,127
+HK$408/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$13,438/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,033
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,222
−HK$191/mo
Today · 4.125%
HK$7,413
baseline
▲ 0.50% · 4.625%
HK$7,804
+HK$391/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$14,826/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,128
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,381
−HK$257/mo
Today · 4.125%
HK$8,638
baseline
▲ 0.50% · 4.625%
HK$9,164
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,276/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$9,043
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,285
−HK$246/mo
Today · 4.125%
HK$9,531
baseline
▲ 0.50% · 4.625%
HK$10,034
+HK$503/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,062/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).