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$4,515
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,655
−HK$143/mo
Today · 4.125%
HK$4,798
baseline
▲ 0.50% · 4.625%
HK$5,090
+HK$292/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$9,596/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$5,023
−HK$271/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$5,418
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$172/mo
Today · 4.125%
HK$5,758
baseline
▲ 0.50% · 4.625%
HK$6,108
+HK$350/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$11,516/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$326/mo
▼ 0.25% · 3.875%
HK$6,189
−HK$164/mo
Today · 4.125%
HK$6,353
baseline
▲ 0.50% · 4.625%
HK$6,688
+HK$335/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$12,706/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$6,321
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,517
−HK$200/mo
Today · 4.125%
HK$6,717
baseline
▲ 0.50% · 4.625%
HK$7,126
+HK$409/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$13,434/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$7,032
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,220
−HK$192/mo
Today · 4.125%
HK$7,412
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$390/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$14,824/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$8,127
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$256/mo
Today · 4.125%
HK$8,636
baseline
▲ 0.50% · 4.625%
HK$9,162
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,272/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$9,041
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,283
−HK$246/mo
Today · 4.125%
HK$9,529
baseline
▲ 0.50% · 4.625%
HK$10,032
+HK$503/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,058/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).