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$4,522
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,663
−HK$143/mo
Today · 4.125%
HK$4,806
baseline
▲ 0.50% · 4.625%
HK$5,098
+HK$292/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$9,612/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$5,031
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,166
−HK$137/mo
Today · 4.125%
HK$5,303
baseline
▲ 0.50% · 4.625%
HK$5,582
+HK$279/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$10,606/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$5,427
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,596
−HK$171/mo
Today · 4.125%
HK$5,767
baseline
▲ 0.50% · 4.625%
HK$6,118
+HK$351/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$11,534/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,037
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,199
−HK$164/mo
Today · 4.125%
HK$6,363
baseline
▲ 0.50% · 4.625%
HK$6,699
+HK$336/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$12,726/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,331
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,528
−HK$200/mo
Today · 4.125%
HK$6,728
baseline
▲ 0.50% · 4.625%
HK$7,138
+HK$410/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,456/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$7,043
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$192/mo
Today · 4.125%
HK$7,424
baseline
▲ 0.50% · 4.625%
HK$7,815
+HK$391/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,848/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$8,140
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,393
−HK$258/mo
Today · 4.125%
HK$8,651
baseline
▲ 0.50% · 4.625%
HK$9,177
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,302/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$9,056
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,299
−HK$246/mo
Today · 4.125%
HK$9,545
baseline
▲ 0.50% · 4.625%
HK$10,048
+HK$503/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,090/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).