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$4,533
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,675
−HK$143/mo
Today · 4.125%
HK$4,818
baseline
▲ 0.50% · 4.625%
HK$5,111
+HK$293/mo
Deposit HK$994K · loan HK$994K · min. income ≈ HK$9,636/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,043
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,179
−HK$137/mo
Today · 4.125%
HK$5,316
baseline
▲ 0.50% · 4.625%
HK$5,596
+HK$280/mo
Deposit HK$994K · loan HK$994K · min. income ≈ HK$10,632/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,440
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,609
−HK$172/mo
Today · 4.125%
HK$5,781
baseline
▲ 0.50% · 4.625%
HK$6,133
+HK$352/mo
Deposit HK$795K · loan HK$1.19M · min. income ≈ HK$11,562/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,052
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,214
−HK$165/mo
Today · 4.125%
HK$6,379
baseline
▲ 0.50% · 4.625%
HK$6,715
+HK$336/mo
Deposit HK$795K · loan HK$1.19M · min. income ≈ HK$12,758/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,347
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,544
−HK$201/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,155
+HK$410/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$13,490/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$7,061
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,250
−HK$192/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,835
+HK$393/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$14,884/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$8,160
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,414
−HK$258/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,200
+HK$528/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,344/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$9,078
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$247/mo
Today · 4.125%
HK$9,569
baseline
▲ 0.50% · 4.625%
HK$10,073
+HK$504/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,138/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).