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$4,465
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,604
−HK$142/mo
Today · 4.125%
HK$4,746
baseline
▲ 0.50% · 4.625%
HK$5,034
+HK$288/mo
Deposit HK$979K · loan HK$979K · min. income ≈ HK$9,492/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,968
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,101
−HK$135/mo
Today · 4.125%
HK$5,236
baseline
▲ 0.50% · 4.625%
HK$5,512
+HK$276/mo
Deposit HK$979K · loan HK$979K · min. income ≈ HK$10,472/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,359
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,525
−HK$170/mo
Today · 4.125%
HK$5,695
baseline
▲ 0.50% · 4.625%
HK$6,041
+HK$346/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$11,390/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,961
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,121
−HK$162/mo
Today · 4.125%
HK$6,283
baseline
▲ 0.50% · 4.625%
HK$6,615
+HK$332/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$12,566/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,252
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,446
−HK$198/mo
Today · 4.125%
HK$6,644
baseline
▲ 0.50% · 4.625%
HK$7,048
+HK$404/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$13,288/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$6,955
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,141
−HK$190/mo
Today · 4.125%
HK$7,331
baseline
▲ 0.50% · 4.625%
HK$7,717
+HK$386/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$14,662/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$8,038
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,288
−HK$254/mo
Today · 4.125%
HK$8,542
baseline
▲ 0.50% · 4.625%
HK$9,062
+HK$520/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,084/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$8,942
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,182
−HK$243/mo
Today · 4.125%
HK$9,425
baseline
▲ 0.50% · 4.625%
HK$9,922
+HK$497/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,850/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).