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$4,514
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,655
−HK$142/mo
Today · 4.125%
HK$4,797
baseline
▲ 0.50% · 4.625%
HK$5,089
+HK$292/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$9,594/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,022
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,157
−HK$137/mo
Today · 4.125%
HK$5,294
baseline
▲ 0.50% · 4.625%
HK$5,573
+HK$279/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$10,588/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,417
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$171/mo
Today · 4.125%
HK$5,757
baseline
▲ 0.50% · 4.625%
HK$6,107
+HK$350/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$11,514/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,027
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,188
−HK$164/mo
Today · 4.125%
HK$6,352
baseline
▲ 0.50% · 4.625%
HK$6,687
+HK$335/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$12,704/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,320
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,517
−HK$199/mo
Today · 4.125%
HK$6,716
baseline
▲ 0.50% · 4.625%
HK$7,125
+HK$409/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$13,432/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,031
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,220
−HK$191/mo
Today · 4.125%
HK$7,411
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$391/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$14,822/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,126
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,379
−HK$256/mo
Today · 4.125%
HK$8,635
baseline
▲ 0.50% · 4.625%
HK$9,161
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,270/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$9,040
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,282
−HK$246/mo
Today · 4.125%
HK$9,528
baseline
▲ 0.50% · 4.625%
HK$10,031
+HK$503/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,056/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).