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$4,494
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,634
−HK$142/mo
Today · 4.125%
HK$4,776
baseline
▲ 0.50% · 4.625%
HK$5,067
+HK$291/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$9,552/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$5,000
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,134
−HK$136/mo
Today · 4.125%
HK$5,270
baseline
▲ 0.50% · 4.625%
HK$5,548
+HK$278/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$10,540/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$5,393
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,561
−HK$171/mo
Today · 4.125%
HK$5,732
baseline
▲ 0.50% · 4.625%
HK$6,080
+HK$348/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$6,000
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,161
−HK$163/mo
Today · 4.125%
HK$6,324
baseline
▲ 0.50% · 4.625%
HK$6,658
+HK$334/mo
Deposit HK$788K · loan HK$1.18M · min. income ≈ HK$12,648/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$6,292
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,488
−HK$199/mo
Today · 4.125%
HK$6,687
baseline
▲ 0.50% · 4.625%
HK$7,094
+HK$407/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$13,374/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$7,000
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$190/mo
Today · 4.125%
HK$7,378
baseline
▲ 0.50% · 4.625%
HK$7,767
+HK$389/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$14,756/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$8,090
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$255/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$523/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,194/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$9,000
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$245/mo
Today · 4.125%
HK$9,486
baseline
▲ 0.50% · 4.625%
HK$9,986
+HK$500/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,972/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).