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$4,509
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,649
−HK$143/mo
Today · 4.125%
HK$4,792
baseline
▲ 0.50% · 4.625%
HK$5,083
+HK$291/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$9,584/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$5,016
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,151
−HK$136/mo
Today · 4.125%
HK$5,287
baseline
▲ 0.50% · 4.625%
HK$5,566
+HK$279/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$10,574/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$5,411
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,579
−HK$171/mo
Today · 4.125%
HK$5,750
baseline
▲ 0.50% · 4.625%
HK$6,100
+HK$350/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$11,500/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,019
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,181
−HK$164/mo
Today · 4.125%
HK$6,345
baseline
▲ 0.50% · 4.625%
HK$6,679
+HK$334/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$12,690/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,313
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$199/mo
Today · 4.125%
HK$6,708
baseline
▲ 0.50% · 4.625%
HK$7,117
+HK$409/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$13,416/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,023
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,211
−HK$191/mo
Today · 4.125%
HK$7,402
baseline
▲ 0.50% · 4.625%
HK$7,792
+HK$390/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$14,804/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,116
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,369
−HK$256/mo
Today · 4.125%
HK$8,625
baseline
▲ 0.50% · 4.625%
HK$9,150
+HK$525/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,250/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$9,029
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,271
−HK$246/mo
Today · 4.125%
HK$9,517
baseline
▲ 0.50% · 4.625%
HK$10,019
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,034/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).