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$4,486
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,626
−HK$142/mo
Today · 4.125%
HK$4,768
baseline
▲ 0.50% · 4.625%
HK$5,058
+HK$290/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$9,536/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,991
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,125
−HK$136/mo
Today · 4.125%
HK$5,261
baseline
▲ 0.50% · 4.625%
HK$5,538
+HK$277/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$10,522/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,384
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,551
−HK$170/mo
Today · 4.125%
HK$5,721
baseline
▲ 0.50% · 4.625%
HK$6,069
+HK$348/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$11,442/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,989
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,150
−HK$163/mo
Today · 4.125%
HK$6,313
baseline
▲ 0.50% · 4.625%
HK$6,646
+HK$333/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$12,626/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,281
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,476
−HK$199/mo
Today · 4.125%
HK$6,675
baseline
▲ 0.50% · 4.625%
HK$7,081
+HK$406/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,350/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,988
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,175
−HK$190/mo
Today · 4.125%
HK$7,365
baseline
▲ 0.50% · 4.625%
HK$7,753
+HK$388/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,730/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,076
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$255/mo
Today · 4.125%
HK$8,582
baseline
▲ 0.50% · 4.625%
HK$9,104
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,164/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$8,984
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,225
−HK$244/mo
Today · 4.125%
HK$9,469
baseline
▲ 0.50% · 4.625%
HK$9,969
+HK$500/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,938/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).