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$4,524
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,664
−HK$143/mo
Today · 4.125%
HK$4,807
baseline
▲ 0.50% · 4.625%
HK$5,100
+HK$293/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$9,614/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$5,033
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,168
−HK$136/mo
Today · 4.125%
HK$5,304
baseline
▲ 0.50% · 4.625%
HK$5,584
+HK$280/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$10,608/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$5,428
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,597
−HK$172/mo
Today · 4.125%
HK$5,769
baseline
▲ 0.50% · 4.625%
HK$6,120
+HK$351/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$11,538/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$6,039
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,201
−HK$164/mo
Today · 4.125%
HK$6,365
baseline
▲ 0.50% · 4.625%
HK$6,701
+HK$336/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,730/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$6,333
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,530
−HK$200/mo
Today · 4.125%
HK$6,730
baseline
▲ 0.50% · 4.625%
HK$7,140
+HK$410/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,460/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,046
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,235
−HK$191/mo
Today · 4.125%
HK$7,426
baseline
▲ 0.50% · 4.625%
HK$7,818
+HK$392/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,852/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,143
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,396
−HK$257/mo
Today · 4.125%
HK$8,653
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$527/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$17,306/mo (50% DSR)
Upfront cash ≈ HK$198K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,059
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,302
−HK$246/mo
Today · 4.125%
HK$9,548
baseline
▲ 0.50% · 4.625%
HK$10,051
+HK$503/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$19,096/mo (50% DSR)
Upfront cash ≈ HK$198K (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).