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$4,516
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,657
−HK$143/mo
Today · 4.125%
HK$4,800
baseline
▲ 0.50% · 4.625%
HK$5,092
+HK$292/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$9,600/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$5,024
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,159
−HK$137/mo
Today · 4.125%
HK$5,296
baseline
▲ 0.50% · 4.625%
HK$5,575
+HK$279/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$10,592/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$5,420
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,588
−HK$172/mo
Today · 4.125%
HK$5,760
baseline
▲ 0.50% · 4.625%
HK$6,110
+HK$350/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$11,520/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$6,029
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,191
−HK$164/mo
Today · 4.125%
HK$6,355
baseline
▲ 0.50% · 4.625%
HK$6,690
+HK$335/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$12,710/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$6,323
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,520
−HK$199/mo
Today · 4.125%
HK$6,719
baseline
▲ 0.50% · 4.625%
HK$7,128
+HK$409/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$13,438/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$7,034
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,223
−HK$191/mo
Today · 4.125%
HK$7,414
baseline
▲ 0.50% · 4.625%
HK$7,805
+HK$391/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$14,828/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$8,129
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,382
−HK$257/mo
Today · 4.125%
HK$8,639
baseline
▲ 0.50% · 4.625%
HK$9,165
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,278/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$9,044
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$246/mo
Today · 4.125%
HK$9,533
baseline
▲ 0.50% · 4.625%
HK$10,035
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,066/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).