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$4,549
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,691
−HK$144/mo
Today · 4.125%
HK$4,835
baseline
▲ 0.50% · 4.625%
HK$5,129
+HK$294/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$9,670/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$5,061
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,197
−HK$137/mo
Today · 4.125%
HK$5,334
baseline
▲ 0.50% · 4.625%
HK$5,616
+HK$282/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$10,668/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$5,459
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,629
−HK$173/mo
Today · 4.125%
HK$5,802
baseline
▲ 0.50% · 4.625%
HK$6,155
+HK$353/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$11,604/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$6,073
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,236
−HK$165/mo
Today · 4.125%
HK$6,401
baseline
▲ 0.50% · 4.625%
HK$6,739
+HK$338/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$12,802/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$6,369
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,567
−HK$201/mo
Today · 4.125%
HK$6,768
baseline
▲ 0.50% · 4.625%
HK$7,180
+HK$412/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$13,536/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$7,085
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,276
−HK$192/mo
Today · 4.125%
HK$7,468
baseline
▲ 0.50% · 4.625%
HK$7,862
+HK$394/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$14,936/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$8,189
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$259/mo
Today · 4.125%
HK$8,702
baseline
▲ 0.50% · 4.625%
HK$9,232
+HK$530/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,404/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$9,110
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,354
−HK$248/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,108
+HK$506/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,204/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).