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$284/mo
▼ 0.25% · 3.875%
HK$4,665
−HK$143/mo
Today · 4.125%
HK$4,808
baseline
▲ 0.50% · 4.625%
HK$5,100
+HK$292/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$9,616/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$272/mo
▼ 0.25% · 3.875%
HK$5,168
−HK$137/mo
Today · 4.125%
HK$5,305
baseline
▲ 0.50% · 4.625%
HK$5,584
+HK$279/mo
Deposit HK$992K · loan HK$992K · min. income ≈ HK$10,610/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$5,429
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,598
−HK$171/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$327/mo
▼ 0.25% · 3.875%
HK$6,201
−HK$165/mo
Today · 4.125%
HK$6,366
baseline
▲ 0.50% · 4.625%
HK$6,701
+HK$335/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,732/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$6,334
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,531
−HK$200/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,140
+HK$409/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$13,462/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$381/mo
▼ 0.25% · 3.875%
HK$7,235
−HK$192/mo
Today · 4.125%
HK$7,427
baseline
▲ 0.50% · 4.625%
HK$7,818
+HK$391/mo
Deposit HK$595K · loan HK$1.39M · min. income ≈ HK$14,854/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$511/mo
▼ 0.25% · 3.875%
HK$8,396
−HK$258/mo
Today · 4.125%
HK$8,654
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$526/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$17,308/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$490/mo
▼ 0.25% · 3.875%
HK$9,302
−HK$247/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,052
+HK$503/mo
Deposit HK$198K · loan HK$1.79M · min. income ≈ HK$19,098/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).