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$4,502
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,642
−HK$142/mo
Today · 4.125%
HK$4,784
baseline
▲ 0.50% · 4.625%
HK$5,075
+HK$291/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$9,568/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,008
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,142
−HK$137/mo
Today · 4.125%
HK$5,279
baseline
▲ 0.50% · 4.625%
HK$5,557
+HK$278/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$10,558/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,402
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$171/mo
Today · 4.125%
HK$5,741
baseline
▲ 0.50% · 4.625%
HK$6,090
+HK$349/mo
Deposit HK$790K · loan HK$1.18M · min. income ≈ HK$11,482/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,010
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,171
−HK$163/mo
Today · 4.125%
HK$6,334
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$334/mo
Deposit HK$790K · loan HK$1.18M · min. income ≈ HK$12,668/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,302
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,498
−HK$199/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,105
+HK$408/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$13,394/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$7,011
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$191/mo
Today · 4.125%
HK$7,390
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$389/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$14,780/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$8,103
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,355
−HK$256/mo
Today · 4.125%
HK$8,611
baseline
▲ 0.50% · 4.625%
HK$9,135
+HK$524/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$17,222/mo (50% DSR)
Upfront cash ≈ HK$198K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,014
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$245/mo
Today · 4.125%
HK$9,501
baseline
▲ 0.50% · 4.625%
HK$10,002
+HK$501/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$19,002/mo (50% DSR)
Upfront cash ≈ HK$198K (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).