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$4,462
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,600
−HK$141/mo
Today · 4.125%
HK$4,741
baseline
▲ 0.50% · 4.625%
HK$5,030
+HK$289/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$9,482/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,963
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,097
−HK$135/mo
Today · 4.125%
HK$5,232
baseline
▲ 0.50% · 4.625%
HK$5,507
+HK$275/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$10,464/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,354
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,520
−HK$170/mo
Today · 4.125%
HK$5,690
baseline
▲ 0.50% · 4.625%
HK$6,036
+HK$346/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$11,380/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,956
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,116
−HK$162/mo
Today · 4.125%
HK$6,278
baseline
▲ 0.50% · 4.625%
HK$6,609
+HK$331/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$12,556/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,246
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,441
−HK$197/mo
Today · 4.125%
HK$6,638
baseline
▲ 0.50% · 4.625%
HK$7,042
+HK$404/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$13,276/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,949
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,135
−HK$189/mo
Today · 4.125%
HK$7,324
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$386/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$14,648/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,031
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$254/mo
Today · 4.125%
HK$8,535
baseline
▲ 0.50% · 4.625%
HK$9,054
+HK$519/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,070/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$8,934
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,174
−HK$243/mo
Today · 4.125%
HK$9,417
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$496/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,834/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).