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$4,467
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,606
−HK$141/mo
Today · 4.125%
HK$4,747
baseline
▲ 0.50% · 4.625%
HK$5,036
+HK$289/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$9,494/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,970
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,103
−HK$135/mo
Today · 4.125%
HK$5,238
baseline
▲ 0.50% · 4.625%
HK$5,514
+HK$276/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$10,476/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,360
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,527
−HK$170/mo
Today · 4.125%
HK$5,697
baseline
▲ 0.50% · 4.625%
HK$6,043
+HK$346/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$11,394/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,963
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,123
−HK$163/mo
Today · 4.125%
HK$6,286
baseline
▲ 0.50% · 4.625%
HK$6,617
+HK$331/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$12,572/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,254
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,448
−HK$198/mo
Today · 4.125%
HK$6,646
baseline
▲ 0.50% · 4.625%
HK$7,050
+HK$404/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$13,292/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,957
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,144
−HK$189/mo
Today · 4.125%
HK$7,333
baseline
▲ 0.50% · 4.625%
HK$7,720
+HK$387/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$14,666/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,041
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,291
−HK$254/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$9,065
+HK$520/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,090/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$8,945
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,185
−HK$243/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$497/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,856/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).