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$4,542
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,683
−HK$143/mo
Today · 4.125%
HK$4,826
baseline
▲ 0.50% · 4.625%
HK$5,120
+HK$294/mo
Deposit HK$996K · loan HK$996K · min. income ≈ HK$9,652/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$5,052
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,188
−HK$137/mo
Today · 4.125%
HK$5,325
baseline
▲ 0.50% · 4.625%
HK$5,606
+HK$281/mo
Deposit HK$996K · loan HK$996K · min. income ≈ HK$10,650/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$5,450
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,619
−HK$173/mo
Today · 4.125%
HK$5,792
baseline
▲ 0.50% · 4.625%
HK$6,144
+HK$352/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$11,584/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,063
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,225
−HK$165/mo
Today · 4.125%
HK$6,390
baseline
▲ 0.50% · 4.625%
HK$6,727
+HK$337/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$12,780/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,358
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,556
−HK$201/mo
Today · 4.125%
HK$6,757
baseline
▲ 0.50% · 4.625%
HK$7,168
+HK$411/mo
Deposit HK$598K · loan HK$1.39M · min. income ≈ HK$13,514/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,073
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$192/mo
Today · 4.125%
HK$7,455
baseline
▲ 0.50% · 4.625%
HK$7,848
+HK$393/mo
Deposit HK$598K · loan HK$1.39M · min. income ≈ HK$14,910/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,175
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,429
−HK$258/mo
Today · 4.125%
HK$8,687
baseline
▲ 0.50% · 4.625%
HK$9,216
+HK$529/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,374/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$9,094
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$248/mo
Today · 4.125%
HK$9,586
baseline
▲ 0.50% · 4.625%
HK$10,091
+HK$505/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,172/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).