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$4,511
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,651
−HK$143/mo
Today · 4.125%
HK$4,794
baseline
▲ 0.50% · 4.625%
HK$5,085
+HK$291/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$9,588/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,018
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,153
−HK$136/mo
Today · 4.125%
HK$5,289
baseline
▲ 0.50% · 4.625%
HK$5,568
+HK$279/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$10,578/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,413
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,581
−HK$171/mo
Today · 4.125%
HK$5,752
baseline
▲ 0.50% · 4.625%
HK$6,103
+HK$351/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$11,504/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,022
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,183
−HK$164/mo
Today · 4.125%
HK$6,347
baseline
▲ 0.50% · 4.625%
HK$6,682
+HK$335/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$12,694/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,315
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,512
−HK$199/mo
Today · 4.125%
HK$6,711
baseline
▲ 0.50% · 4.625%
HK$7,120
+HK$409/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$13,422/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,026
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,214
−HK$191/mo
Today · 4.125%
HK$7,405
baseline
▲ 0.50% · 4.625%
HK$7,796
+HK$391/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$14,810/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,120
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$257/mo
Today · 4.125%
HK$8,629
baseline
▲ 0.50% · 4.625%
HK$9,154
+HK$525/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,258/mo (50% DSR)
Upfront cash ≈ HK$198K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,033
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,275
−HK$246/mo
Today · 4.125%
HK$9,521
baseline
▲ 0.50% · 4.625%
HK$10,023
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,042/mo (50% DSR)
Upfront cash ≈ HK$198K (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).