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$4,540
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,681
−HK$143/mo
Today · 4.125%
HK$4,824
baseline
▲ 0.50% · 4.625%
HK$5,118
+HK$294/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$9,648/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$5,050
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,186
−HK$137/mo
Today · 4.125%
HK$5,323
baseline
▲ 0.50% · 4.625%
HK$5,604
+HK$281/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$10,646/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$5,448
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,617
−HK$172/mo
Today · 4.125%
HK$5,789
baseline
▲ 0.50% · 4.625%
HK$6,142
+HK$353/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$11,578/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$6,060
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,223
−HK$165/mo
Today · 4.125%
HK$6,388
baseline
▲ 0.50% · 4.625%
HK$6,725
+HK$337/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$12,776/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$6,356
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,553
−HK$201/mo
Today · 4.125%
HK$6,754
baseline
▲ 0.50% · 4.625%
HK$7,165
+HK$411/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$13,508/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$7,071
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,260
−HK$193/mo
Today · 4.125%
HK$7,453
baseline
▲ 0.50% · 4.625%
HK$7,845
+HK$392/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$14,906/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$8,171
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,426
−HK$258/mo
Today · 4.125%
HK$8,684
baseline
▲ 0.50% · 4.625%
HK$9,212
+HK$528/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,368/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$9,091
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,334
−HK$248/mo
Today · 4.125%
HK$9,582
baseline
▲ 0.50% · 4.625%
HK$10,087
+HK$505/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,164/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).