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$4,539
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,680
−HK$143/mo
Today · 4.125%
HK$4,823
baseline
▲ 0.50% · 4.625%
HK$5,117
+HK$294/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$9,646/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,049
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,184
−HK$138/mo
Today · 4.125%
HK$5,322
baseline
▲ 0.50% · 4.625%
HK$5,602
+HK$280/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$10,644/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,446
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,616
−HK$172/mo
Today · 4.125%
HK$5,788
baseline
▲ 0.50% · 4.625%
HK$6,140
+HK$352/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$11,576/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,059
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,221
−HK$165/mo
Today · 4.125%
HK$6,386
baseline
▲ 0.50% · 4.625%
HK$6,723
+HK$337/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$12,772/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,354
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,552
−HK$200/mo
Today · 4.125%
HK$6,752
baseline
▲ 0.50% · 4.625%
HK$7,163
+HK$411/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$13,504/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$7,069
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,258
−HK$193/mo
Today · 4.125%
HK$7,451
baseline
▲ 0.50% · 4.625%
HK$7,843
+HK$392/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$14,902/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$8,169
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,423
−HK$259/mo
Today · 4.125%
HK$8,682
baseline
▲ 0.50% · 4.625%
HK$9,210
+HK$528/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,364/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$9,088
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,332
−HK$247/mo
Today · 4.125%
HK$9,579
baseline
▲ 0.50% · 4.625%
HK$10,084
+HK$505/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,158/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).