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$4,504
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,644
−HK$142/mo
Today · 4.125%
HK$4,786
baseline
▲ 0.50% · 4.625%
HK$5,077
+HK$291/mo
Deposit HK$988K · loan HK$988K · min. income ≈ HK$9,572/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,010
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,145
−HK$136/mo
Today · 4.125%
HK$5,281
baseline
▲ 0.50% · 4.625%
HK$5,559
+HK$278/mo
Deposit HK$988K · loan HK$988K · min. income ≈ HK$10,562/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,404
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,573
−HK$170/mo
Today · 4.125%
HK$5,743
baseline
▲ 0.50% · 4.625%
HK$6,093
+HK$350/mo
Deposit HK$790K · loan HK$1.19M · min. income ≈ HK$11,486/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,012
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,174
−HK$163/mo
Today · 4.125%
HK$6,337
baseline
▲ 0.50% · 4.625%
HK$6,671
+HK$334/mo
Deposit HK$790K · loan HK$1.19M · min. income ≈ HK$12,674/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,305
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,501
−HK$200/mo
Today · 4.125%
HK$6,701
baseline
▲ 0.50% · 4.625%
HK$7,108
+HK$407/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$13,402/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,014
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,203
−HK$190/mo
Today · 4.125%
HK$7,393
baseline
▲ 0.50% · 4.625%
HK$7,783
+HK$390/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$14,786/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,107
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,359
−HK$256/mo
Today · 4.125%
HK$8,615
baseline
▲ 0.50% · 4.625%
HK$9,139
+HK$524/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,230/mo (50% DSR)
Upfront cash ≈ HK$198K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,019
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,260
−HK$246/mo
Today · 4.125%
HK$9,506
baseline
▲ 0.50% · 4.625%
HK$10,007
+HK$501/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,012/mo (50% DSR)
Upfront cash ≈ HK$198K (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).