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$4,520
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,661
−HK$142/mo
Today · 4.125%
HK$4,803
baseline
▲ 0.50% · 4.625%
HK$5,096
+HK$293/mo
Deposit HK$991K · loan HK$991K · min. income ≈ HK$9,606/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,028
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,163
−HK$137/mo
Today · 4.125%
HK$5,300
baseline
▲ 0.50% · 4.625%
HK$5,579
+HK$279/mo
Deposit HK$991K · loan HK$991K · min. income ≈ HK$10,600/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,424
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,593
−HK$171/mo
Today · 4.125%
HK$5,764
baseline
▲ 0.50% · 4.625%
HK$6,115
+HK$351/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$11,528/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,034
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,196
−HK$164/mo
Today · 4.125%
HK$6,360
baseline
▲ 0.50% · 4.625%
HK$6,695
+HK$335/mo
Deposit HK$793K · loan HK$1.19M · min. income ≈ HK$12,720/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,328
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,525
−HK$200/mo
Today · 4.125%
HK$6,725
baseline
▲ 0.50% · 4.625%
HK$7,134
+HK$409/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,450/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$7,040
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,229
−HK$191/mo
Today · 4.125%
HK$7,420
baseline
▲ 0.50% · 4.625%
HK$7,811
+HK$391/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,840/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$8,136
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,389
−HK$257/mo
Today · 4.125%
HK$8,646
baseline
▲ 0.50% · 4.625%
HK$9,172
+HK$526/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,292/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$9,051
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,294
−HK$246/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,043
+HK$503/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,080/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).