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$4,500
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,640
−HK$142/mo
Today · 4.125%
HK$4,782
baseline
▲ 0.50% · 4.625%
HK$5,073
+HK$291/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$9,564/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$5,006
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,140
−HK$137/mo
Today · 4.125%
HK$5,277
baseline
▲ 0.50% · 4.625%
HK$5,555
+HK$278/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$10,554/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$5,400
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,568
−HK$171/mo
Today · 4.125%
HK$5,739
baseline
▲ 0.50% · 4.625%
HK$6,088
+HK$349/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$11,478/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,007
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,168
−HK$164/mo
Today · 4.125%
HK$6,332
baseline
▲ 0.50% · 4.625%
HK$6,666
+HK$334/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$12,664/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,300
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,496
−HK$199/mo
Today · 4.125%
HK$6,695
baseline
▲ 0.50% · 4.625%
HK$7,102
+HK$407/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$13,390/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$7,009
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,197
−HK$190/mo
Today · 4.125%
HK$7,387
baseline
▲ 0.50% · 4.625%
HK$7,777
+HK$390/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$14,774/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$8,100
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,352
−HK$256/mo
Today · 4.125%
HK$8,608
baseline
▲ 0.50% · 4.625%
HK$9,132
+HK$524/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$17,216/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$9,011
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$245/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$9,999
+HK$501/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$18,996/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).