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$4,466
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,605
−HK$141/mo
Today · 4.125%
HK$4,746
baseline
▲ 0.50% · 4.625%
HK$5,035
+HK$289/mo
Deposit HK$979K · loan HK$979K · min. income ≈ HK$9,492/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,969
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,102
−HK$135/mo
Today · 4.125%
HK$5,237
baseline
▲ 0.50% · 4.625%
HK$5,513
+HK$276/mo
Deposit HK$979K · loan HK$979K · min. income ≈ HK$10,474/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,359
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,526
−HK$170/mo
Today · 4.125%
HK$5,696
baseline
▲ 0.50% · 4.625%
HK$6,042
+HK$346/mo
Deposit HK$783K · loan HK$1.18M · min. income ≈ HK$11,392/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$5,962
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,122
−HK$162/mo
Today · 4.125%
HK$6,284
baseline
▲ 0.50% · 4.625%
HK$6,616
+HK$332/mo
Deposit HK$783K · loan HK$1.18M · min. income ≈ HK$12,568/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$6,253
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,447
−HK$198/mo
Today · 4.125%
HK$6,645
baseline
▲ 0.50% · 4.625%
HK$7,049
+HK$404/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$13,290/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$6,956
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,143
−HK$189/mo
Today · 4.125%
HK$7,332
baseline
▲ 0.50% · 4.625%
HK$7,718
+HK$386/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$14,664/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$8,039
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,289
−HK$254/mo
Today · 4.125%
HK$8,543
baseline
▲ 0.50% · 4.625%
HK$9,063
+HK$520/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,086/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$8,944
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,183
−HK$244/mo
Today · 4.125%
HK$9,427
baseline
▲ 0.50% · 4.625%
HK$9,924
+HK$497/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,854/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).