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$4,524
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,665
−HK$143/mo
Today · 4.125%
HK$4,808
baseline
▲ 0.50% · 4.625%
HK$5,101
+HK$293/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$9,616/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$5,033
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,168
−HK$137/mo
Today · 4.125%
HK$5,305
baseline
▲ 0.50% · 4.625%
HK$5,585
+HK$280/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$10,610/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$5,429
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,598
−HK$172/mo
Today · 4.125%
HK$5,770
baseline
▲ 0.50% · 4.625%
HK$6,121
+HK$351/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$11,540/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$6,040
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,202
−HK$164/mo
Today · 4.125%
HK$6,366
baseline
▲ 0.50% · 4.625%
HK$6,702
+HK$336/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,732/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$6,334
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,531
−HK$200/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,141
+HK$410/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,462/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$7,047
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,236
−HK$191/mo
Today · 4.125%
HK$7,427
baseline
▲ 0.50% · 4.625%
HK$7,819
+HK$392/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,854/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$8,144
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$258/mo
Today · 4.125%
HK$8,655
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$526/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$17,310/mo (50% DSR)
Upfront cash ≈ HK$199K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,060
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,303
−HK$246/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,053
+HK$504/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$19,098/mo (50% DSR)
Upfront cash ≈ HK$199K (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).