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$4,520
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,661
−HK$143/mo
Today · 4.125%
HK$4,804
baseline
▲ 0.50% · 4.625%
HK$5,096
+HK$292/mo
Deposit HK$991K · loan HK$991K · min. income ≈ HK$9,608/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,029
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,164
−HK$137/mo
Today · 4.125%
HK$5,301
baseline
▲ 0.50% · 4.625%
HK$5,580
+HK$279/mo
Deposit HK$991K · loan HK$991K · min. income ≈ HK$10,602/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,424
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,593
−HK$172/mo
Today · 4.125%
HK$5,765
baseline
▲ 0.50% · 4.625%
HK$6,115
+HK$350/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$11,530/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$6,035
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,197
−HK$164/mo
Today · 4.125%
HK$6,361
baseline
▲ 0.50% · 4.625%
HK$6,696
+HK$335/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$12,722/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$6,329
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,525
−HK$200/mo
Today · 4.125%
HK$6,725
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$410/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,450/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$7,040
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,229
−HK$192/mo
Today · 4.125%
HK$7,421
baseline
▲ 0.50% · 4.625%
HK$7,812
+HK$391/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,842/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$8,137
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$257/mo
Today · 4.125%
HK$8,647
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,294/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$9,052
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$246/mo
Today · 4.125%
HK$9,541
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$503/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,082/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).