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$4,459
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,597
−HK$141/mo
Today · 4.125%
HK$4,738
baseline
▲ 0.50% · 4.625%
HK$5,027
+HK$289/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$9,476/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,960
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,093
−HK$135/mo
Today · 4.125%
HK$5,228
baseline
▲ 0.50% · 4.625%
HK$5,504
+HK$276/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$10,456/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,350
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,517
−HK$169/mo
Today · 4.125%
HK$5,686
baseline
▲ 0.50% · 4.625%
HK$6,032
+HK$346/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$11,372/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,952
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,112
−HK$162/mo
Today · 4.125%
HK$6,274
baseline
▲ 0.50% · 4.625%
HK$6,605
+HK$331/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$12,548/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,242
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,436
−HK$198/mo
Today · 4.125%
HK$6,634
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$403/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$13,268/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,944
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$189/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,705
+HK$385/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$14,640/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,026
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,275
−HK$254/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$9,048
+HK$519/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,058/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$8,928
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$243/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,907
+HK$496/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,822/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).