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$4,464
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,603
−HK$141/mo
Today · 4.125%
HK$4,744
baseline
▲ 0.50% · 4.625%
HK$5,033
+HK$289/mo
Deposit HK$979K · loan HK$979K · min. income ≈ HK$9,488/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,966
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,099
−HK$135/mo
Today · 4.125%
HK$5,234
baseline
▲ 0.50% · 4.625%
HK$5,510
+HK$276/mo
Deposit HK$979K · loan HK$979K · min. income ≈ HK$10,468/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,357
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,523
−HK$170/mo
Today · 4.125%
HK$5,693
baseline
▲ 0.50% · 4.625%
HK$6,039
+HK$346/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$11,386/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,959
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,119
−HK$162/mo
Today · 4.125%
HK$6,281
baseline
▲ 0.50% · 4.625%
HK$6,612
+HK$331/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$12,562/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,250
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,444
−HK$197/mo
Today · 4.125%
HK$6,641
baseline
▲ 0.50% · 4.625%
HK$7,046
+HK$405/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$13,282/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,953
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,139
−HK$189/mo
Today · 4.125%
HK$7,328
baseline
▲ 0.50% · 4.625%
HK$7,714
+HK$386/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$14,656/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,035
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,285
−HK$254/mo
Today · 4.125%
HK$8,539
baseline
▲ 0.50% · 4.625%
HK$9,059
+HK$520/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,078/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$8,939
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,179
−HK$243/mo
Today · 4.125%
HK$9,422
baseline
▲ 0.50% · 4.625%
HK$9,919
+HK$497/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,844/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).