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$4,496
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,636
−HK$142/mo
Today · 4.125%
HK$4,778
baseline
▲ 0.50% · 4.625%
HK$5,068
+HK$290/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$9,556/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$5,001
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,136
−HK$136/mo
Today · 4.125%
HK$5,272
baseline
▲ 0.50% · 4.625%
HK$5,550
+HK$278/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$10,544/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$5,395
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,563
−HK$170/mo
Today · 4.125%
HK$5,733
baseline
▲ 0.50% · 4.625%
HK$6,082
+HK$349/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$11,466/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$6,002
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,163
−HK$163/mo
Today · 4.125%
HK$6,326
baseline
▲ 0.50% · 4.625%
HK$6,659
+HK$333/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$12,652/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$6,294
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,490
−HK$199/mo
Today · 4.125%
HK$6,689
baseline
▲ 0.50% · 4.625%
HK$7,096
+HK$407/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$13,378/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,002
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,190
−HK$190/mo
Today · 4.125%
HK$7,380
baseline
▲ 0.50% · 4.625%
HK$7,769
+HK$389/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$14,760/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,092
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,344
−HK$256/mo
Today · 4.125%
HK$8,600
baseline
▲ 0.50% · 4.625%
HK$9,123
+HK$523/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,200/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$9,003
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,244
−HK$245/mo
Today · 4.125%
HK$9,489
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$500/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,978/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).