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$4,512
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,652
−HK$143/mo
Today · 4.125%
HK$4,795
baseline
▲ 0.50% · 4.625%
HK$5,086
+HK$291/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$9,590/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,019
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,154
−HK$136/mo
Today · 4.125%
HK$5,290
baseline
▲ 0.50% · 4.625%
HK$5,569
+HK$279/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$10,580/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,414
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,582
−HK$172/mo
Today · 4.125%
HK$5,754
baseline
▲ 0.50% · 4.625%
HK$6,104
+HK$350/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$11,508/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$6,023
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,185
−HK$163/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,683
+HK$335/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$12,696/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$6,316
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$199/mo
Today · 4.125%
HK$6,712
baseline
▲ 0.50% · 4.625%
HK$7,121
+HK$409/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$13,424/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$7,027
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,215
−HK$192/mo
Today · 4.125%
HK$7,407
baseline
▲ 0.50% · 4.625%
HK$7,797
+HK$390/mo
Deposit HK$594K · loan HK$1.39M · min. income ≈ HK$14,814/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$8,121
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,374
−HK$256/mo
Today · 4.125%
HK$8,630
baseline
▲ 0.50% · 4.625%
HK$9,155
+HK$525/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,260/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$9,035
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$246/mo
Today · 4.125%
HK$9,523
baseline
▲ 0.50% · 4.625%
HK$10,025
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,046/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).