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$4,473
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,612
−HK$142/mo
Today · 4.125%
HK$4,754
baseline
▲ 0.50% · 4.625%
HK$5,043
+HK$289/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$9,508/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,976
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,110
−HK$135/mo
Today · 4.125%
HK$5,245
baseline
▲ 0.50% · 4.625%
HK$5,522
+HK$277/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$10,490/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,368
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,535
−HK$169/mo
Today · 4.125%
HK$5,704
baseline
▲ 0.50% · 4.625%
HK$6,051
+HK$347/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$11,408/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,971
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,132
−HK$162/mo
Today · 4.125%
HK$6,294
baseline
▲ 0.50% · 4.625%
HK$6,626
+HK$332/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$12,588/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,262
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,457
−HK$198/mo
Today · 4.125%
HK$6,655
baseline
▲ 0.50% · 4.625%
HK$7,060
+HK$405/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$13,310/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,967
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$189/mo
Today · 4.125%
HK$7,343
baseline
▲ 0.50% · 4.625%
HK$7,730
+HK$387/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$14,686/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,051
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,302
−HK$254/mo
Today · 4.125%
HK$8,556
baseline
▲ 0.50% · 4.625%
HK$9,077
+HK$521/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$17,112/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$8,957
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,197
−HK$244/mo
Today · 4.125%
HK$9,441
baseline
▲ 0.50% · 4.625%
HK$9,939
+HK$498/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$18,882/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).