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$4,469
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,608
−HK$141/mo
Today · 4.125%
HK$4,749
baseline
▲ 0.50% · 4.625%
HK$5,038
+HK$289/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$9,498/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,972
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,105
−HK$135/mo
Today · 4.125%
HK$5,240
baseline
▲ 0.50% · 4.625%
HK$5,516
+HK$276/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$10,480/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,363
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,530
−HK$169/mo
Today · 4.125%
HK$5,699
baseline
▲ 0.50% · 4.625%
HK$6,046
+HK$347/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$11,398/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,966
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,126
−HK$162/mo
Today · 4.125%
HK$6,288
baseline
▲ 0.50% · 4.625%
HK$6,620
+HK$332/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$12,576/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,257
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,451
−HK$198/mo
Today · 4.125%
HK$6,649
baseline
▲ 0.50% · 4.625%
HK$7,053
+HK$404/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$13,298/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,960
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,147
−HK$189/mo
Today · 4.125%
HK$7,336
baseline
▲ 0.50% · 4.625%
HK$7,723
+HK$387/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$14,672/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,044
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$255/mo
Today · 4.125%
HK$8,549
baseline
▲ 0.50% · 4.625%
HK$9,069
+HK$520/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,098/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$8,949
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,189
−HK$243/mo
Today · 4.125%
HK$9,432
baseline
▲ 0.50% · 4.625%
HK$9,930
+HK$498/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,864/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).