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$4,547
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,688
−HK$144/mo
Today · 4.125%
HK$4,832
baseline
▲ 0.50% · 4.625%
HK$5,126
+HK$294/mo
Deposit HK$997K · loan HK$997K · min. income ≈ HK$9,664/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,058
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,194
−HK$137/mo
Today · 4.125%
HK$5,331
baseline
▲ 0.50% · 4.625%
HK$5,613
+HK$282/mo
Deposit HK$997K · loan HK$997K · min. income ≈ HK$10,662/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,456
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,626
−HK$172/mo
Today · 4.125%
HK$5,798
baseline
▲ 0.50% · 4.625%
HK$6,151
+HK$353/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$11,596/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,070
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,233
−HK$165/mo
Today · 4.125%
HK$6,398
baseline
▲ 0.50% · 4.625%
HK$6,735
+HK$337/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$12,796/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,365
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$202/mo
Today · 4.125%
HK$6,765
baseline
▲ 0.50% · 4.625%
HK$7,176
+HK$411/mo
Deposit HK$598K · loan HK$1.40M · min. income ≈ HK$13,530/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$7,081
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,271
−HK$193/mo
Today · 4.125%
HK$7,464
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$394/mo
Deposit HK$598K · loan HK$1.40M · min. income ≈ HK$14,928/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$8,184
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$258/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$530/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,394/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$9,105
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,349
−HK$248/mo
Today · 4.125%
HK$9,597
baseline
▲ 0.50% · 4.625%
HK$10,103
+HK$506/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,194/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).