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$4,531
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,672
−HK$143/mo
Today · 4.125%
HK$4,815
baseline
▲ 0.50% · 4.625%
HK$5,108
+HK$293/mo
Deposit HK$993K · loan HK$993K · min. income ≈ HK$9,630/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,040
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,176
−HK$137/mo
Today · 4.125%
HK$5,313
baseline
▲ 0.50% · 4.625%
HK$5,593
+HK$280/mo
Deposit HK$993K · loan HK$993K · min. income ≈ HK$10,626/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,437
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,606
−HK$172/mo
Today · 4.125%
HK$5,778
baseline
▲ 0.50% · 4.625%
HK$6,129
+HK$351/mo
Deposit HK$795K · loan HK$1.19M · min. income ≈ HK$11,556/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,049
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,211
−HK$164/mo
Today · 4.125%
HK$6,375
baseline
▲ 0.50% · 4.625%
HK$6,711
+HK$336/mo
Deposit HK$795K · loan HK$1.19M · min. income ≈ HK$12,750/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,343
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$201/mo
Today · 4.125%
HK$6,741
baseline
▲ 0.50% · 4.625%
HK$7,151
+HK$410/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$13,482/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$7,057
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,246
−HK$192/mo
Today · 4.125%
HK$7,438
baseline
▲ 0.50% · 4.625%
HK$7,830
+HK$392/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$14,876/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$8,155
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$258/mo
Today · 4.125%
HK$8,667
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$527/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,334/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$9,073
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$247/mo
Today · 4.125%
HK$9,563
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$504/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,126/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).