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$4,470
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,609
−HK$141/mo
Today · 4.125%
HK$4,750
baseline
▲ 0.50% · 4.625%
HK$5,039
+HK$289/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$9,500/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,973
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,106
−HK$135/mo
Today · 4.125%
HK$5,241
baseline
▲ 0.50% · 4.625%
HK$5,518
+HK$277/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$10,482/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,364
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,531
−HK$169/mo
Today · 4.125%
HK$5,700
baseline
▲ 0.50% · 4.625%
HK$6,047
+HK$347/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$11,400/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,967
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,127
−HK$163/mo
Today · 4.125%
HK$6,290
baseline
▲ 0.50% · 4.625%
HK$6,621
+HK$331/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$12,580/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,258
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,453
−HK$197/mo
Today · 4.125%
HK$6,650
baseline
▲ 0.50% · 4.625%
HK$7,055
+HK$405/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$13,300/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$6,962
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,149
−HK$189/mo
Today · 4.125%
HK$7,338
baseline
▲ 0.50% · 4.625%
HK$7,725
+HK$387/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$14,676/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$8,046
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,296
−HK$255/mo
Today · 4.125%
HK$8,551
baseline
▲ 0.50% · 4.625%
HK$9,071
+HK$520/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,102/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$8,951
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,191
−HK$244/mo
Today · 4.125%
HK$9,435
baseline
▲ 0.50% · 4.625%
HK$9,932
+HK$497/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,870/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).