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$4,472
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,612
−HK$141/mo
Today · 4.125%
HK$4,753
baseline
▲ 0.50% · 4.625%
HK$5,042
+HK$289/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$9,506/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,976
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,109
−HK$135/mo
Today · 4.125%
HK$5,244
baseline
▲ 0.50% · 4.625%
HK$5,521
+HK$277/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$10,488/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,367
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,534
−HK$170/mo
Today · 4.125%
HK$5,704
baseline
▲ 0.50% · 4.625%
HK$6,051
+HK$347/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$11,408/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,971
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,131
−HK$162/mo
Today · 4.125%
HK$6,293
baseline
▲ 0.50% · 4.625%
HK$6,625
+HK$332/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$12,586/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,261
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,456
−HK$198/mo
Today · 4.125%
HK$6,654
baseline
▲ 0.50% · 4.625%
HK$7,059
+HK$405/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$13,308/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,966
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,153
−HK$189/mo
Today · 4.125%
HK$7,342
baseline
▲ 0.50% · 4.625%
HK$7,729
+HK$387/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$14,684/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,050
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,301
−HK$254/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,076
+HK$521/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$17,110/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$8,956
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$244/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$498/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$18,880/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).