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$4,507
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,647
−HK$143/mo
Today · 4.125%
HK$4,790
baseline
▲ 0.50% · 4.625%
HK$5,081
+HK$291/mo
Deposit HK$988K · loan HK$988K · min. income ≈ HK$9,580/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,014
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,148
−HK$137/mo
Today · 4.125%
HK$5,285
baseline
▲ 0.50% · 4.625%
HK$5,563
+HK$278/mo
Deposit HK$988K · loan HK$988K · min. income ≈ HK$10,570/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,408
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,577
−HK$170/mo
Today · 4.125%
HK$5,747
baseline
▲ 0.50% · 4.625%
HK$6,097
+HK$350/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$11,494/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,017
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,178
−HK$164/mo
Today · 4.125%
HK$6,342
baseline
▲ 0.50% · 4.625%
HK$6,676
+HK$334/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$12,684/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,310
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,506
−HK$199/mo
Today · 4.125%
HK$6,705
baseline
▲ 0.50% · 4.625%
HK$7,113
+HK$408/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$13,410/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,019
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,208
−HK$191/mo
Today · 4.125%
HK$7,399
baseline
▲ 0.50% · 4.625%
HK$7,789
+HK$390/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$14,798/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,112
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,365
−HK$256/mo
Today · 4.125%
HK$8,621
baseline
▲ 0.50% · 4.625%
HK$9,146
+HK$525/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,242/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$9,025
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,267
−HK$246/mo
Today · 4.125%
HK$9,513
baseline
▲ 0.50% · 4.625%
HK$10,014
+HK$501/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,026/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).