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$4,538
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,679
−HK$144/mo
Today · 4.125%
HK$4,823
baseline
▲ 0.50% · 4.625%
HK$5,116
+HK$293/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$9,646/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,048
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,184
−HK$137/mo
Today · 4.125%
HK$5,321
baseline
▲ 0.50% · 4.625%
HK$5,602
+HK$281/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$10,642/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,446
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,615
−HK$172/mo
Today · 4.125%
HK$5,787
baseline
▲ 0.50% · 4.625%
HK$6,139
+HK$352/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$11,574/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,058
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,221
−HK$164/mo
Today · 4.125%
HK$6,385
baseline
▲ 0.50% · 4.625%
HK$6,722
+HK$337/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$12,770/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,353
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,551
−HK$201/mo
Today · 4.125%
HK$6,752
baseline
▲ 0.50% · 4.625%
HK$7,162
+HK$410/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$13,504/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,068
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,257
−HK$193/mo
Today · 4.125%
HK$7,450
baseline
▲ 0.50% · 4.625%
HK$7,842
+HK$392/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$14,900/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,168
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,422
−HK$259/mo
Today · 4.125%
HK$8,681
baseline
▲ 0.50% · 4.625%
HK$9,209
+HK$528/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,362/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$9,087
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,331
−HK$247/mo
Today · 4.125%
HK$9,578
baseline
▲ 0.50% · 4.625%
HK$10,083
+HK$505/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,156/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).