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$4,477
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,617
−HK$141/mo
Today · 4.125%
HK$4,758
baseline
▲ 0.50% · 4.625%
HK$5,048
+HK$290/mo
Deposit HK$982K · loan HK$982K · min. income ≈ HK$9,516/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,981
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,115
−HK$135/mo
Today · 4.125%
HK$5,250
baseline
▲ 0.50% · 4.625%
HK$5,527
+HK$277/mo
Deposit HK$982K · loan HK$982K · min. income ≈ HK$10,500/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,373
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,540
−HK$170/mo
Today · 4.125%
HK$5,710
baseline
▲ 0.50% · 4.625%
HK$6,057
+HK$347/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$11,420/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,977
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,138
−HK$162/mo
Today · 4.125%
HK$6,300
baseline
▲ 0.50% · 4.625%
HK$6,632
+HK$332/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$12,600/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,268
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,463
−HK$199/mo
Today · 4.125%
HK$6,662
baseline
▲ 0.50% · 4.625%
HK$7,067
+HK$405/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$13,324/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,974
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,161
−HK$189/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$388/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$14,700/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,059
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,310
−HK$255/mo
Today · 4.125%
HK$8,565
baseline
▲ 0.50% · 4.625%
HK$9,086
+HK$521/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$17,130/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$8,966
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,207
−HK$243/mo
Today · 4.125%
HK$9,450
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$499/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$18,900/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).