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$4,483
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,622
−HK$142/mo
Today · 4.125%
HK$4,764
baseline
▲ 0.50% · 4.625%
HK$5,054
+HK$290/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$9,528/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,987
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,121
−HK$136/mo
Today · 4.125%
HK$5,257
baseline
▲ 0.50% · 4.625%
HK$5,534
+HK$277/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$10,514/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,380
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,547
−HK$170/mo
Today · 4.125%
HK$5,717
baseline
▲ 0.50% · 4.625%
HK$6,065
+HK$348/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$11,434/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$5,985
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,145
−HK$163/mo
Today · 4.125%
HK$6,308
baseline
▲ 0.50% · 4.625%
HK$6,641
+HK$333/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$12,616/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$6,276
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$199/mo
Today · 4.125%
HK$6,670
baseline
▲ 0.50% · 4.625%
HK$7,076
+HK$406/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,340/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$6,982
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,170
−HK$189/mo
Today · 4.125%
HK$7,359
baseline
▲ 0.50% · 4.625%
HK$7,747
+HK$388/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,718/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$8,069
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$255/mo
Today · 4.125%
HK$8,575
baseline
▲ 0.50% · 4.625%
HK$9,097
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,150/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$8,977
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,218
−HK$244/mo
Today · 4.125%
HK$9,462
baseline
▲ 0.50% · 4.625%
HK$9,961
+HK$499/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,924/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).