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$4,512
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,652
−HK$143/mo
Today · 4.125%
HK$4,795
baseline
▲ 0.50% · 4.625%
HK$5,087
+HK$292/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$9,590/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,020
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,154
−HK$137/mo
Today · 4.125%
HK$5,291
baseline
▲ 0.50% · 4.625%
HK$5,570
+HK$279/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$10,582/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,414
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,583
−HK$171/mo
Today · 4.125%
HK$5,754
baseline
▲ 0.50% · 4.625%
HK$6,104
+HK$350/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$11,508/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$6,024
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,185
−HK$164/mo
Today · 4.125%
HK$6,349
baseline
▲ 0.50% · 4.625%
HK$6,684
+HK$335/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$12,698/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$6,317
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$200/mo
Today · 4.125%
HK$6,713
baseline
▲ 0.50% · 4.625%
HK$7,122
+HK$409/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$13,426/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$7,028
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$191/mo
Today · 4.125%
HK$7,407
baseline
▲ 0.50% · 4.625%
HK$7,798
+HK$391/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$14,814/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$8,122
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,374
−HK$257/mo
Today · 4.125%
HK$8,631
baseline
▲ 0.50% · 4.625%
HK$9,156
+HK$525/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,262/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$9,035
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,278
−HK$246/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,026
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,048/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).