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$4,484
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,624
−HK$142/mo
Today · 4.125%
HK$4,766
baseline
▲ 0.50% · 4.625%
HK$5,056
+HK$290/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$9,532/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,989
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,123
−HK$135/mo
Today · 4.125%
HK$5,258
baseline
▲ 0.50% · 4.625%
HK$5,536
+HK$278/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$10,516/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,381
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,549
−HK$170/mo
Today · 4.125%
HK$5,719
baseline
▲ 0.50% · 4.625%
HK$6,067
+HK$348/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$11,438/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,987
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,147
−HK$163/mo
Today · 4.125%
HK$6,310
baseline
▲ 0.50% · 4.625%
HK$6,643
+HK$333/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$12,620/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,278
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,474
−HK$198/mo
Today · 4.125%
HK$6,672
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$406/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,344/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,984
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,172
−HK$190/mo
Today · 4.125%
HK$7,362
baseline
▲ 0.50% · 4.625%
HK$7,750
+HK$388/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,724/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,072
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$255/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,156/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$8,980
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$244/mo
Today · 4.125%
HK$9,465
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$499/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,930/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).