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$281/mo
▼ 0.25% · 3.875%
HK$4,626
−HK$142/mo
Today · 4.125%
HK$4,768
baseline
▲ 0.50% · 4.625%
HK$5,058
+HK$290/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$9,536/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$4,991
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,125
−HK$136/mo
Today · 4.125%
HK$5,261
baseline
▲ 0.50% · 4.625%
HK$5,538
+HK$277/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$10,522/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$5,384
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,552
−HK$170/mo
Today · 4.125%
HK$5,722
baseline
▲ 0.50% · 4.625%
HK$6,070
+HK$348/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$5,990
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,150
−HK$163/mo
Today · 4.125%
HK$6,313
baseline
▲ 0.50% · 4.625%
HK$6,646
+HK$333/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$12,626/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$6,281
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,477
−HK$198/mo
Today · 4.125%
HK$6,675
baseline
▲ 0.50% · 4.625%
HK$7,081
+HK$406/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,350/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$6,988
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,175
−HK$191/mo
Today · 4.125%
HK$7,366
baseline
▲ 0.50% · 4.625%
HK$7,754
+HK$388/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,732/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$8,076
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$256/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,105
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,166/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$8,985
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$244/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$9,969
+HK$499/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,940/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).