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$4,510
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,651
−HK$142/mo
Today · 4.125%
HK$4,793
baseline
▲ 0.50% · 4.625%
HK$5,085
+HK$292/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$9,586/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,018
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,152
−HK$137/mo
Today · 4.125%
HK$5,289
baseline
▲ 0.50% · 4.625%
HK$5,568
+HK$279/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$10,578/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,412
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,581
−HK$171/mo
Today · 4.125%
HK$5,752
baseline
▲ 0.50% · 4.625%
HK$6,102
+HK$350/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$11,504/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,021
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,183
−HK$164/mo
Today · 4.125%
HK$6,347
baseline
▲ 0.50% · 4.625%
HK$6,681
+HK$334/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$12,694/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,314
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,511
−HK$199/mo
Today · 4.125%
HK$6,710
baseline
▲ 0.50% · 4.625%
HK$7,119
+HK$409/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$13,420/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$7,025
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,213
−HK$191/mo
Today · 4.125%
HK$7,404
baseline
▲ 0.50% · 4.625%
HK$7,795
+HK$391/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$14,808/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$8,119
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,371
−HK$257/mo
Today · 4.125%
HK$8,628
baseline
▲ 0.50% · 4.625%
HK$9,153
+HK$525/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,256/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$9,032
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,274
−HK$246/mo
Today · 4.125%
HK$9,520
baseline
▲ 0.50% · 4.625%
HK$10,022
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,040/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).