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$4,482
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,621
−HK$142/mo
Today · 4.125%
HK$4,763
baseline
▲ 0.50% · 4.625%
HK$5,053
+HK$290/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$9,526/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$4,986
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,120
−HK$135/mo
Today · 4.125%
HK$5,255
baseline
▲ 0.50% · 4.625%
HK$5,532
+HK$277/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$10,510/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$5,378
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,545
−HK$170/mo
Today · 4.125%
HK$5,715
baseline
▲ 0.50% · 4.625%
HK$6,063
+HK$348/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$11,430/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$5,983
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$162/mo
Today · 4.125%
HK$6,306
baseline
▲ 0.50% · 4.625%
HK$6,639
+HK$333/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$12,612/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$6,275
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,470
−HK$198/mo
Today · 4.125%
HK$6,668
baseline
▲ 0.50% · 4.625%
HK$7,074
+HK$406/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,336/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$6,980
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$189/mo
Today · 4.125%
HK$7,357
baseline
▲ 0.50% · 4.625%
HK$7,745
+HK$388/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,714/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$8,067
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,318
−HK$255/mo
Today · 4.125%
HK$8,573
baseline
▲ 0.50% · 4.625%
HK$9,095
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,146/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$8,975
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,215
−HK$245/mo
Today · 4.125%
HK$9,460
baseline
▲ 0.50% · 4.625%
HK$9,958
+HK$498/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,920/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).