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$4,513
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,653
−HK$143/mo
Today · 4.125%
HK$4,796
baseline
▲ 0.50% · 4.625%
HK$5,088
+HK$292/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$9,592/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,021
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,155
−HK$137/mo
Today · 4.125%
HK$5,292
baseline
▲ 0.50% · 4.625%
HK$5,571
+HK$279/mo
Deposit HK$990K · loan HK$990K · min. income ≈ HK$10,584/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,416
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,584
−HK$171/mo
Today · 4.125%
HK$5,755
baseline
▲ 0.50% · 4.625%
HK$6,105
+HK$350/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$11,510/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,025
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,186
−HK$164/mo
Today · 4.125%
HK$6,350
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$335/mo
Deposit HK$792K · loan HK$1.19M · min. income ≈ HK$12,700/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,318
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,515
−HK$199/mo
Today · 4.125%
HK$6,714
baseline
▲ 0.50% · 4.625%
HK$7,123
+HK$409/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$13,428/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,029
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,218
−HK$191/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$390/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$14,818/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,123
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,376
−HK$257/mo
Today · 4.125%
HK$8,633
baseline
▲ 0.50% · 4.625%
HK$9,158
+HK$525/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,266/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$9,037
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,280
−HK$246/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,028
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,052/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).