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$4,490
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,629
−HK$142/mo
Today · 4.125%
HK$4,771
baseline
▲ 0.50% · 4.625%
HK$5,061
+HK$290/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$9,542/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$4,995
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,129
−HK$135/mo
Today · 4.125%
HK$5,264
baseline
▲ 0.50% · 4.625%
HK$5,542
+HK$278/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$10,528/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$5,387
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,555
−HK$170/mo
Today · 4.125%
HK$5,725
baseline
▲ 0.50% · 4.625%
HK$6,074
+HK$349/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$11,450/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$5,993
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,154
−HK$163/mo
Today · 4.125%
HK$6,317
baseline
▲ 0.50% · 4.625%
HK$6,650
+HK$333/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$12,634/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$6,285
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,481
−HK$198/mo
Today · 4.125%
HK$6,679
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$407/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$13,358/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$6,992
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,180
−HK$190/mo
Today · 4.125%
HK$7,370
baseline
▲ 0.50% · 4.625%
HK$7,759
+HK$389/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$14,740/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$8,081
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$255/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,110
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,176/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$8,990
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,231
−HK$245/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$9,975
+HK$499/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,952/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).