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$4,458
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,597
−HK$141/mo
Today · 4.125%
HK$4,738
baseline
▲ 0.50% · 4.625%
HK$5,026
+HK$288/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$9,476/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,960
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,093
−HK$135/mo
Today · 4.125%
HK$5,228
baseline
▲ 0.50% · 4.625%
HK$5,503
+HK$275/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$10,456/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,350
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,516
−HK$169/mo
Today · 4.125%
HK$5,685
baseline
▲ 0.50% · 4.625%
HK$6,031
+HK$346/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$11,370/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,951
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,111
−HK$162/mo
Today · 4.125%
HK$6,273
baseline
▲ 0.50% · 4.625%
HK$6,604
+HK$331/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$12,546/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,241
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,435
−HK$198/mo
Today · 4.125%
HK$6,633
baseline
▲ 0.50% · 4.625%
HK$7,036
+HK$403/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$13,266/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,943
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$189/mo
Today · 4.125%
HK$7,319
baseline
▲ 0.50% · 4.625%
HK$7,704
+HK$385/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$14,638/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,025
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,274
−HK$254/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$519/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,056/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$8,927
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,167
−HK$243/mo
Today · 4.125%
HK$9,410
baseline
▲ 0.50% · 4.625%
HK$9,906
+HK$496/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,820/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).