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$4,543
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,684
−HK$144/mo
Today · 4.125%
HK$4,828
baseline
▲ 0.50% · 4.625%
HK$5,122
+HK$294/mo
Deposit HK$996K · loan HK$996K · min. income ≈ HK$9,656/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,054
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,190
−HK$137/mo
Today · 4.125%
HK$5,327
baseline
▲ 0.50% · 4.625%
HK$5,608
+HK$281/mo
Deposit HK$996K · loan HK$996K · min. income ≈ HK$10,654/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,452
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,621
−HK$173/mo
Today · 4.125%
HK$5,794
baseline
▲ 0.50% · 4.625%
HK$6,146
+HK$352/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$11,588/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,065
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,228
−HK$165/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,730
+HK$337/mo
Deposit HK$797K · loan HK$1.20M · min. income ≈ HK$12,786/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,360
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,558
−HK$201/mo
Today · 4.125%
HK$6,759
baseline
▲ 0.50% · 4.625%
HK$7,170
+HK$411/mo
Deposit HK$598K · loan HK$1.39M · min. income ≈ HK$13,518/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,076
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,266
−HK$192/mo
Today · 4.125%
HK$7,458
baseline
▲ 0.50% · 4.625%
HK$7,851
+HK$393/mo
Deposit HK$598K · loan HK$1.39M · min. income ≈ HK$14,916/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,178
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,432
−HK$258/mo
Today · 4.125%
HK$8,690
baseline
▲ 0.50% · 4.625%
HK$9,219
+HK$529/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,380/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$9,097
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$248/mo
Today · 4.125%
HK$9,589
baseline
▲ 0.50% · 4.625%
HK$10,094
+HK$505/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,178/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).