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$4,534
−HK$284/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$5,044
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,179
−HK$137/mo
Today · 4.125%
HK$5,316
baseline
▲ 0.50% · 4.625%
HK$5,597
+HK$281/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$5,441
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,610
−HK$172/mo
Today · 4.125%
HK$5,782
baseline
▲ 0.50% · 4.625%
HK$6,134
+HK$352/mo
Deposit HK$795K · loan HK$1.19M · min. income ≈ HK$11,564/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$6,053
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,215
−HK$165/mo
Today · 4.125%
HK$6,380
baseline
▲ 0.50% · 4.625%
HK$6,716
+HK$336/mo
Deposit HK$795K · loan HK$1.19M · min. income ≈ HK$12,760/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$6,545
−HK$200/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,156
+HK$411/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$382/mo
▼ 0.25% · 3.875%
HK$7,251
−HK$192/mo
Today · 4.125%
HK$7,443
baseline
▲ 0.50% · 4.625%
HK$7,835
+HK$392/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$14,886/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$8,161
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,415
−HK$258/mo
Today · 4.125%
HK$8,673
baseline
▲ 0.50% · 4.625%
HK$9,200
+HK$527/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,346/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$9,079
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$247/mo
Today · 4.125%
HK$9,569
baseline
▲ 0.50% · 4.625%
HK$10,074
+HK$505/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).