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$4,490
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,630
−HK$142/mo
Today · 4.125%
HK$4,772
baseline
▲ 0.50% · 4.625%
HK$5,062
+HK$290/mo
Deposit HK$985K · loan HK$985K · min. income ≈ HK$9,544/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,995
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,129
−HK$136/mo
Today · 4.125%
HK$5,265
baseline
▲ 0.50% · 4.625%
HK$5,543
+HK$278/mo
Deposit HK$985K · loan HK$985K · min. income ≈ HK$10,530/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,388
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,556
−HK$170/mo
Today · 4.125%
HK$5,726
baseline
▲ 0.50% · 4.625%
HK$6,075
+HK$349/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$11,452/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,994
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,155
−HK$163/mo
Today · 4.125%
HK$6,318
baseline
▲ 0.50% · 4.625%
HK$6,651
+HK$333/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$12,636/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,286
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,482
−HK$199/mo
Today · 4.125%
HK$6,681
baseline
▲ 0.50% · 4.625%
HK$7,087
+HK$406/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$13,362/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,994
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,181
−HK$190/mo
Today · 4.125%
HK$7,371
baseline
▲ 0.50% · 4.625%
HK$7,760
+HK$389/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$14,742/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,083
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$255/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,112
+HK$523/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,178/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$8,992
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$245/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$9,977
+HK$499/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,956/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).