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$4,481
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,620
−HK$142/mo
Today · 4.125%
HK$4,762
baseline
▲ 0.50% · 4.625%
HK$5,052
+HK$290/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$9,524/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,985
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,119
−HK$135/mo
Today · 4.125%
HK$5,254
baseline
▲ 0.50% · 4.625%
HK$5,531
+HK$277/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$10,508/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,377
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,544
−HK$170/mo
Today · 4.125%
HK$5,714
baseline
▲ 0.50% · 4.625%
HK$6,062
+HK$348/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$11,428/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,982
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,142
−HK$163/mo
Today · 4.125%
HK$6,305
baseline
▲ 0.50% · 4.625%
HK$6,637
+HK$332/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$12,610/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,273
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,468
−HK$199/mo
Today · 4.125%
HK$6,667
baseline
▲ 0.50% · 4.625%
HK$7,072
+HK$405/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,334/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$6,979
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,166
−HK$190/mo
Today · 4.125%
HK$7,356
baseline
▲ 0.50% · 4.625%
HK$7,744
+HK$388/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,712/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$8,066
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,316
−HK$255/mo
Today · 4.125%
HK$8,571
baseline
▲ 0.50% · 4.625%
HK$9,093
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,142/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$8,973
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,213
−HK$245/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$9,956
+HK$498/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,916/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).