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$4,528
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,668
−HK$143/mo
Today · 4.125%
HK$4,811
baseline
▲ 0.50% · 4.625%
HK$5,104
+HK$293/mo
Deposit HK$993K · loan HK$993K · min. income ≈ HK$9,622/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,037
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,172
−HK$137/mo
Today · 4.125%
HK$5,309
baseline
▲ 0.50% · 4.625%
HK$5,589
+HK$280/mo
Deposit HK$993K · loan HK$993K · min. income ≈ HK$10,618/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,433
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,602
−HK$172/mo
Today · 4.125%
HK$5,774
baseline
▲ 0.50% · 4.625%
HK$6,125
+HK$351/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$11,548/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$6,044
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,206
−HK$165/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,707
+HK$336/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,742/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$6,339
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,536
−HK$200/mo
Today · 4.125%
HK$6,736
baseline
▲ 0.50% · 4.625%
HK$7,146
+HK$410/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$13,472/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,052
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,241
−HK$192/mo
Today · 4.125%
HK$7,433
baseline
▲ 0.50% · 4.625%
HK$7,824
+HK$391/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$14,866/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,150
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,403
−HK$258/mo
Today · 4.125%
HK$8,661
baseline
▲ 0.50% · 4.625%
HK$9,188
+HK$527/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,322/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$9,066
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$246/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,060
+HK$504/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,112/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).