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$4,487
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,627
−HK$142/mo
Today · 4.125%
HK$4,769
baseline
▲ 0.50% · 4.625%
HK$5,059
+HK$290/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$9,538/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,992
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,126
−HK$136/mo
Today · 4.125%
HK$5,262
baseline
▲ 0.50% · 4.625%
HK$5,539
+HK$277/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$10,524/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,385
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,552
−HK$170/mo
Today · 4.125%
HK$5,722
baseline
▲ 0.50% · 4.625%
HK$6,071
+HK$349/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$11,444/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,991
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,151
−HK$163/mo
Today · 4.125%
HK$6,314
baseline
▲ 0.50% · 4.625%
HK$6,647
+HK$333/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$12,628/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,282
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,478
−HK$198/mo
Today · 4.125%
HK$6,676
baseline
▲ 0.50% · 4.625%
HK$7,082
+HK$406/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,352/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,989
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,176
−HK$191/mo
Today · 4.125%
HK$7,367
baseline
▲ 0.50% · 4.625%
HK$7,755
+HK$388/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,734/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,077
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,328
−HK$256/mo
Today · 4.125%
HK$8,584
baseline
▲ 0.50% · 4.625%
HK$9,106
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,168/mo (50% DSR)
Upfront cash ≈ HK$197K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,986
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,227
−HK$244/mo
Today · 4.125%
HK$9,471
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$500/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,942/mo (50% DSR)
Upfront cash ≈ HK$197K (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).