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$4,494
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,633
−HK$142/mo
Today · 4.125%
HK$4,775
baseline
▲ 0.50% · 4.625%
HK$5,066
+HK$291/mo
Deposit HK$985K · loan HK$985K · min. income ≈ HK$9,550/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,999
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,133
−HK$136/mo
Today · 4.125%
HK$5,269
baseline
▲ 0.50% · 4.625%
HK$5,547
+HK$278/mo
Deposit HK$985K · loan HK$985K · min. income ≈ HK$10,538/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,392
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,560
−HK$170/mo
Today · 4.125%
HK$5,730
baseline
▲ 0.50% · 4.625%
HK$6,079
+HK$349/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$11,460/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,999
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$163/mo
Today · 4.125%
HK$6,323
baseline
▲ 0.50% · 4.625%
HK$6,656
+HK$333/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$12,646/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,291
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,487
−HK$198/mo
Today · 4.125%
HK$6,685
baseline
▲ 0.50% · 4.625%
HK$7,092
+HK$407/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$13,370/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,999
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,186
−HK$191/mo
Today · 4.125%
HK$7,377
baseline
▲ 0.50% · 4.625%
HK$7,766
+HK$389/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$14,754/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,088
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,340
−HK$256/mo
Today · 4.125%
HK$8,596
baseline
▲ 0.50% · 4.625%
HK$9,119
+HK$523/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,192/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$8,998
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,240
−HK$244/mo
Today · 4.125%
HK$9,484
baseline
▲ 0.50% · 4.625%
HK$9,984
+HK$500/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,968/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).