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$4,461
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,600
−HK$141/mo
Today · 4.125%
HK$4,741
baseline
▲ 0.50% · 4.625%
HK$5,029
+HK$288/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$268/mo
▼ 0.25% · 3.875%
HK$5,096
−HK$135/mo
Today · 4.125%
HK$5,231
baseline
▲ 0.50% · 4.625%
HK$5,506
+HK$275/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$10,462/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$5,353
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,520
−HK$169/mo
Today · 4.125%
HK$5,689
baseline
▲ 0.50% · 4.625%
HK$6,035
+HK$346/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$11,378/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$5,955
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,115
−HK$162/mo
Today · 4.125%
HK$6,277
baseline
▲ 0.50% · 4.625%
HK$6,608
+HK$331/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$12,554/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$6,245
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,439
−HK$198/mo
Today · 4.125%
HK$6,637
baseline
▲ 0.50% · 4.625%
HK$7,041
+HK$404/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$13,274/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$6,948
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$189/mo
Today · 4.125%
HK$7,323
baseline
▲ 0.50% · 4.625%
HK$7,709
+HK$386/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$14,646/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$8,030
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,279
−HK$254/mo
Today · 4.125%
HK$8,533
baseline
▲ 0.50% · 4.625%
HK$9,052
+HK$519/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,066/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$8,933
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,172
−HK$243/mo
Today · 4.125%
HK$9,415
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$497/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,830/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).