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$5,122
+HK$293/mo
Deposit HK$996K · loan HK$996K · min. income ≈ HK$9,658/mo (50% DSR)
Upfront cash ≈ HK$996K (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$5,190
−HK$138/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$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,452
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,622
−HK$172/mo
Today · 4.125%
HK$5,794
baseline
▲ 0.50% · 4.625%
HK$6,147
+HK$353/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$11,588/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$327/mo
▼ 0.25% · 3.875%
HK$6,228
−HK$165/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,730
+HK$337/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$12,786/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$6,361
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,559
−HK$201/mo
Today · 4.125%
HK$6,760
baseline
▲ 0.50% · 4.625%
HK$7,171
+HK$411/mo
Deposit HK$598K · loan HK$1.39M · min. income ≈ HK$13,520/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$382/mo
▼ 0.25% · 3.875%
HK$7,266
−HK$193/mo
Today · 4.125%
HK$7,459
baseline
▲ 0.50% · 4.625%
HK$7,852
+HK$393/mo
Deposit HK$598K · loan HK$1.39M · min. income ≈ HK$14,918/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$512/mo
▼ 0.25% · 3.875%
HK$8,433
−HK$258/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,220
+HK$529/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,382/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$491/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$247/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,096
+HK$506/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,180/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).