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$4,471
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,610
−HK$142/mo
Today · 4.125%
HK$4,752
baseline
▲ 0.50% · 4.625%
HK$5,041
+HK$289/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$9,504/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,974
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,108
−HK$135/mo
Today · 4.125%
HK$5,243
baseline
▲ 0.50% · 4.625%
HK$5,519
+HK$276/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$10,486/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,366
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,533
−HK$169/mo
Today · 4.125%
HK$5,702
baseline
▲ 0.50% · 4.625%
HK$6,049
+HK$347/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$11,404/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,969
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,129
−HK$163/mo
Today · 4.125%
HK$6,292
baseline
▲ 0.50% · 4.625%
HK$6,623
+HK$331/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$12,584/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,260
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,455
−HK$197/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,057
+HK$405/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$13,304/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,964
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,151
−HK$189/mo
Today · 4.125%
HK$7,340
baseline
▲ 0.50% · 4.625%
HK$7,727
+HK$387/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$14,680/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,048
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,299
−HK$254/mo
Today · 4.125%
HK$8,553
baseline
▲ 0.50% · 4.625%
HK$9,074
+HK$521/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,106/mo (50% DSR)
Upfront cash ≈ HK$196K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,954
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,194
−HK$244/mo
Today · 4.125%
HK$9,438
baseline
▲ 0.50% · 4.625%
HK$9,935
+HK$497/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,876/mo (50% DSR)
Upfront cash ≈ HK$196K (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).