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$4,498
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,638
−HK$142/mo
Today · 4.125%
HK$4,780
baseline
▲ 0.50% · 4.625%
HK$5,070
+HK$290/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$9,560/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$5,004
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,138
−HK$136/mo
Today · 4.125%
HK$5,274
baseline
▲ 0.50% · 4.625%
HK$5,552
+HK$278/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$10,548/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$5,397
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,565
−HK$171/mo
Today · 4.125%
HK$5,736
baseline
▲ 0.50% · 4.625%
HK$6,085
+HK$349/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$11,472/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$6,004
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,165
−HK$164/mo
Today · 4.125%
HK$6,329
baseline
▲ 0.50% · 4.625%
HK$6,662
+HK$333/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$12,658/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$6,297
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$199/mo
Today · 4.125%
HK$6,692
baseline
▲ 0.50% · 4.625%
HK$7,099
+HK$407/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$13,384/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$7,005
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,193
−HK$190/mo
Today · 4.125%
HK$7,383
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$390/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$14,766/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$8,096
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,348
−HK$255/mo
Today · 4.125%
HK$8,603
baseline
▲ 0.50% · 4.625%
HK$9,127
+HK$524/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$17,206/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$9,006
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,248
−HK$245/mo
Today · 4.125%
HK$9,493
baseline
▲ 0.50% · 4.625%
HK$9,993
+HK$500/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$18,986/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).