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$4,526
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,666
−HK$143/mo
Today · 4.125%
HK$4,809
baseline
▲ 0.50% · 4.625%
HK$5,102
+HK$293/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$9,618/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,035
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,170
−HK$137/mo
Today · 4.125%
HK$5,307
baseline
▲ 0.50% · 4.625%
HK$5,587
+HK$280/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$10,614/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,431
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,600
−HK$171/mo
Today · 4.125%
HK$5,771
baseline
▲ 0.50% · 4.625%
HK$6,123
+HK$352/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$11,542/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,042
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,204
−HK$164/mo
Today · 4.125%
HK$6,368
baseline
▲ 0.50% · 4.625%
HK$6,704
+HK$336/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,736/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,336
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,533
−HK$200/mo
Today · 4.125%
HK$6,733
baseline
▲ 0.50% · 4.625%
HK$7,143
+HK$410/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,466/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,049
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,238
−HK$192/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,821
+HK$391/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,860/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,146
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$257/mo
Today · 4.125%
HK$8,657
baseline
▲ 0.50% · 4.625%
HK$9,184
+HK$527/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$17,314/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$9,063
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$246/mo
Today · 4.125%
HK$9,552
baseline
▲ 0.50% · 4.625%
HK$10,056
+HK$504/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$19,104/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).