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$4,548
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,689
−HK$144/mo
Today · 4.125%
HK$4,833
baseline
▲ 0.50% · 4.625%
HK$5,127
+HK$294/mo
Deposit HK$997K · loan HK$997K · min. income ≈ HK$9,666/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,059
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,195
−HK$138/mo
Today · 4.125%
HK$5,333
baseline
▲ 0.50% · 4.625%
HK$5,614
+HK$281/mo
Deposit HK$997K · loan HK$997K · min. income ≈ HK$10,666/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,457
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,627
−HK$173/mo
Today · 4.125%
HK$5,800
baseline
▲ 0.50% · 4.625%
HK$6,152
+HK$352/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$11,600/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$6,071
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,234
−HK$165/mo
Today · 4.125%
HK$6,399
baseline
▲ 0.50% · 4.625%
HK$6,736
+HK$337/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$12,798/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$6,367
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,565
−HK$201/mo
Today · 4.125%
HK$6,766
baseline
▲ 0.50% · 4.625%
HK$7,178
+HK$412/mo
Deposit HK$598K · loan HK$1.40M · min. income ≈ HK$13,532/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,083
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,273
−HK$193/mo
Today · 4.125%
HK$7,466
baseline
▲ 0.50% · 4.625%
HK$7,859
+HK$393/mo
Deposit HK$598K · loan HK$1.40M · min. income ≈ HK$14,932/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,186
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,441
−HK$258/mo
Today · 4.125%
HK$8,699
baseline
▲ 0.50% · 4.625%
HK$9,229
+HK$530/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,398/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$9,107
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$248/mo
Today · 4.125%
HK$9,599
baseline
▲ 0.50% · 4.625%
HK$10,105
+HK$506/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,198/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).