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$4,499
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,639
−HK$142/mo
Today · 4.125%
HK$4,781
baseline
▲ 0.50% · 4.625%
HK$5,072
+HK$291/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$9,562/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$5,005
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$137/mo
Today · 4.125%
HK$5,276
baseline
▲ 0.50% · 4.625%
HK$5,554
+HK$278/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$10,552/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$5,399
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,567
−HK$170/mo
Today · 4.125%
HK$5,737
baseline
▲ 0.50% · 4.625%
HK$6,087
+HK$350/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$11,474/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,006
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,167
−HK$164/mo
Today · 4.125%
HK$6,331
baseline
▲ 0.50% · 4.625%
HK$6,664
+HK$333/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$12,662/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,299
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,495
−HK$199/mo
Today · 4.125%
HK$6,694
baseline
▲ 0.50% · 4.625%
HK$7,101
+HK$407/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$13,388/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$7,007
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,195
−HK$191/mo
Today · 4.125%
HK$7,386
baseline
▲ 0.50% · 4.625%
HK$7,775
+HK$389/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$14,772/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$8,098
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$256/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$524/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$17,212/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$9,009
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,251
−HK$245/mo
Today · 4.125%
HK$9,496
baseline
▲ 0.50% · 4.625%
HK$9,997
+HK$501/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$18,992/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).