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$4,485
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,625
−HK$142/mo
Today · 4.125%
HK$4,767
baseline
▲ 0.50% · 4.625%
HK$5,057
+HK$290/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$9,534/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$4,990
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,124
−HK$136/mo
Today · 4.125%
HK$5,260
baseline
▲ 0.50% · 4.625%
HK$5,537
+HK$277/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$10,520/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$5,382
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,550
−HK$170/mo
Today · 4.125%
HK$5,720
baseline
▲ 0.50% · 4.625%
HK$6,068
+HK$348/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$11,440/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$5,988
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,149
−HK$162/mo
Today · 4.125%
HK$6,311
baseline
▲ 0.50% · 4.625%
HK$6,644
+HK$333/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$12,622/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$6,280
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,475
−HK$198/mo
Today · 4.125%
HK$6,673
baseline
▲ 0.50% · 4.625%
HK$7,079
+HK$406/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,346/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$6,986
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,173
−HK$190/mo
Today · 4.125%
HK$7,363
baseline
▲ 0.50% · 4.625%
HK$7,751
+HK$388/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,726/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$8,074
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,325
−HK$255/mo
Today · 4.125%
HK$8,580
baseline
▲ 0.50% · 4.625%
HK$9,102
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,160/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$8,982
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,223
−HK$244/mo
Today · 4.125%
HK$9,467
baseline
▲ 0.50% · 4.625%
HK$9,966
+HK$499/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,934/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).