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$4,501
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,641
−HK$143/mo
Today · 4.125%
HK$4,784
baseline
▲ 0.50% · 4.625%
HK$5,075
+HK$291/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$9,568/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,008
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,142
−HK$136/mo
Today · 4.125%
HK$5,278
baseline
▲ 0.50% · 4.625%
HK$5,556
+HK$278/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$10,556/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,401
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,569
−HK$171/mo
Today · 4.125%
HK$5,740
baseline
▲ 0.50% · 4.625%
HK$6,089
+HK$349/mo
Deposit HK$790K · loan HK$1.18M · min. income ≈ HK$11,480/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,009
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,170
−HK$164/mo
Today · 4.125%
HK$6,334
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$334/mo
Deposit HK$790K · loan HK$1.18M · min. income ≈ HK$12,668/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,302
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,498
−HK$199/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,104
+HK$407/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$13,394/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,011
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$190/mo
Today · 4.125%
HK$7,389
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$390/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$14,778/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,102
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,354
−HK$256/mo
Today · 4.125%
HK$8,610
baseline
▲ 0.50% · 4.625%
HK$9,134
+HK$524/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$17,220/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$9,014
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,255
−HK$246/mo
Today · 4.125%
HK$9,501
baseline
▲ 0.50% · 4.625%
HK$10,001
+HK$500/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$19,002/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).