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$4,460
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,598
−HK$141/mo
Today · 4.125%
HK$4,739
baseline
▲ 0.50% · 4.625%
HK$5,028
+HK$289/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$9,478/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$4,961
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,094
−HK$135/mo
Today · 4.125%
HK$5,229
baseline
▲ 0.50% · 4.625%
HK$5,505
+HK$276/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$10,458/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$5,352
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,518
−HK$169/mo
Today · 4.125%
HK$5,687
baseline
▲ 0.50% · 4.625%
HK$6,033
+HK$346/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$11,374/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$5,954
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,113
−HK$162/mo
Today · 4.125%
HK$6,275
baseline
▲ 0.50% · 4.625%
HK$6,606
+HK$331/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$12,550/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$6,244
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,438
−HK$197/mo
Today · 4.125%
HK$6,635
baseline
▲ 0.50% · 4.625%
HK$7,039
+HK$404/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$13,270/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$6,946
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,132
−HK$189/mo
Today · 4.125%
HK$7,321
baseline
▲ 0.50% · 4.625%
HK$7,707
+HK$386/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$14,642/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$8,028
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,277
−HK$254/mo
Today · 4.125%
HK$8,531
baseline
▲ 0.50% · 4.625%
HK$9,050
+HK$519/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,062/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$8,931
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,170
−HK$243/mo
Today · 4.125%
HK$9,413
baseline
▲ 0.50% · 4.625%
HK$9,909
+HK$496/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,826/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).