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$4,492
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,632
−HK$142/mo
Today · 4.125%
HK$4,774
baseline
▲ 0.50% · 4.625%
HK$5,064
+HK$290/mo
Deposit HK$985K · loan HK$985K · min. income ≈ HK$9,548/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$4,997
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,131
−HK$136/mo
Today · 4.125%
HK$5,267
baseline
▲ 0.50% · 4.625%
HK$5,545
+HK$278/mo
Deposit HK$985K · loan HK$985K · min. income ≈ HK$10,534/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$5,391
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,558
−HK$171/mo
Today · 4.125%
HK$5,729
baseline
▲ 0.50% · 4.625%
HK$6,077
+HK$348/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$11,458/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$5,997
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,158
−HK$163/mo
Today · 4.125%
HK$6,321
baseline
▲ 0.50% · 4.625%
HK$6,654
+HK$333/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$12,642/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$6,289
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,485
−HK$198/mo
Today · 4.125%
HK$6,683
baseline
▲ 0.50% · 4.625%
HK$7,090
+HK$407/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$13,366/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$6,996
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$190/mo
Today · 4.125%
HK$7,374
baseline
▲ 0.50% · 4.625%
HK$7,763
+HK$389/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$14,748/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$8,086
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,337
−HK$256/mo
Today · 4.125%
HK$8,593
baseline
▲ 0.50% · 4.625%
HK$9,116
+HK$523/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,186/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$8,995
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$244/mo
Today · 4.125%
HK$9,481
baseline
▲ 0.50% · 4.625%
HK$9,981
+HK$500/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,962/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).