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$4,544
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,685
−HK$144/mo
Today · 4.125%
HK$4,829
baseline
▲ 0.50% · 4.625%
HK$5,123
+HK$294/mo
Deposit HK$996K · loan HK$996K · min. income ≈ HK$9,658/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$5,055
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,191
−HK$137/mo
Today · 4.125%
HK$5,328
baseline
▲ 0.50% · 4.625%
HK$5,609
+HK$281/mo
Deposit HK$996K · loan HK$996K · min. income ≈ HK$10,656/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$5,453
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,623
−HK$172/mo
Today · 4.125%
HK$5,795
baseline
▲ 0.50% · 4.625%
HK$6,147
+HK$352/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$11,590/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,066
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,229
−HK$165/mo
Today · 4.125%
HK$6,394
baseline
▲ 0.50% · 4.625%
HK$6,731
+HK$337/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$12,788/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,362
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,560
−HK$201/mo
Today · 4.125%
HK$6,761
baseline
▲ 0.50% · 4.625%
HK$7,172
+HK$411/mo
Deposit HK$598K · loan HK$1.39M · min. income ≈ HK$13,522/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$7,077
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,267
−HK$193/mo
Today · 4.125%
HK$7,460
baseline
▲ 0.50% · 4.625%
HK$7,853
+HK$393/mo
Deposit HK$598K · loan HK$1.39M · min. income ≈ HK$14,920/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$8,179
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,434
−HK$258/mo
Today · 4.125%
HK$8,692
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$529/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,384/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$9,099
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,344
−HK$247/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,097
+HK$506/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,182/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).