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$4,553
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,695
−HK$144/mo
Today · 4.125%
HK$4,839
baseline
▲ 0.50% · 4.625%
HK$5,133
+HK$294/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$9,678/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,065
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,201
−HK$138/mo
Today · 4.125%
HK$5,339
baseline
▲ 0.50% · 4.625%
HK$5,620
+HK$281/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$10,678/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,464
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,634
−HK$172/mo
Today · 4.125%
HK$5,806
baseline
▲ 0.50% · 4.625%
HK$6,160
+HK$354/mo
Deposit HK$799K · loan HK$1.20M · min. income ≈ HK$11,612/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,078
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,241
−HK$166/mo
Today · 4.125%
HK$6,407
baseline
▲ 0.50% · 4.625%
HK$6,745
+HK$338/mo
Deposit HK$799K · loan HK$1.20M · min. income ≈ HK$12,814/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,374
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,573
−HK$201/mo
Today · 4.125%
HK$6,774
baseline
▲ 0.50% · 4.625%
HK$7,186
+HK$412/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$13,548/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,092
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,282
−HK$193/mo
Today · 4.125%
HK$7,475
baseline
▲ 0.50% · 4.625%
HK$7,869
+HK$394/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$14,950/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,196
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,451
−HK$259/mo
Today · 4.125%
HK$8,710
baseline
▲ 0.50% · 4.625%
HK$9,240
+HK$530/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,420/mo (50% DSR)
Upfront cash ≈ HK$200K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,118
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$248/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,117
+HK$507/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,220/mo (50% DSR)
Upfront cash ≈ HK$200K (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).