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$4,495
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,635
−HK$142/mo
Today · 4.125%
HK$4,777
baseline
▲ 0.50% · 4.625%
HK$5,067
+HK$290/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$9,554/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,001
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,135
−HK$136/mo
Today · 4.125%
HK$5,271
baseline
▲ 0.50% · 4.625%
HK$5,549
+HK$278/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$10,542/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,394
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,562
−HK$170/mo
Today · 4.125%
HK$5,732
baseline
▲ 0.50% · 4.625%
HK$6,081
+HK$349/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$11,464/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,001
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,162
−HK$163/mo
Today · 4.125%
HK$6,325
baseline
▲ 0.50% · 4.625%
HK$6,658
+HK$333/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$12,650/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,293
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,489
−HK$199/mo
Today · 4.125%
HK$6,688
baseline
▲ 0.50% · 4.625%
HK$7,094
+HK$406/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$13,376/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$7,001
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,189
−HK$190/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,768
+HK$389/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$14,758/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$8,091
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,343
−HK$255/mo
Today · 4.125%
HK$8,598
baseline
▲ 0.50% · 4.625%
HK$9,121
+HK$523/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,196/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$9,001
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,242
−HK$245/mo
Today · 4.125%
HK$9,487
baseline
▲ 0.50% · 4.625%
HK$9,987
+HK$500/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,974/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).