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$4,504
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,644
−HK$143/mo
Today · 4.125%
HK$4,787
baseline
▲ 0.50% · 4.625%
HK$5,078
+HK$291/mo
Deposit HK$988K · loan HK$988K · min. income ≈ HK$9,574/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$5,011
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,145
−HK$137/mo
Today · 4.125%
HK$5,282
baseline
▲ 0.50% · 4.625%
HK$5,560
+HK$278/mo
Deposit HK$988K · loan HK$988K · min. income ≈ HK$10,564/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$5,405
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,573
−HK$171/mo
Today · 4.125%
HK$5,744
baseline
▲ 0.50% · 4.625%
HK$6,093
+HK$349/mo
Deposit HK$790K · loan HK$1.19M · min. income ≈ HK$11,488/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,013
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,174
−HK$164/mo
Today · 4.125%
HK$6,338
baseline
▲ 0.50% · 4.625%
HK$6,672
+HK$334/mo
Deposit HK$790K · loan HK$1.19M · min. income ≈ HK$12,676/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,306
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,502
−HK$199/mo
Today · 4.125%
HK$6,701
baseline
▲ 0.50% · 4.625%
HK$7,109
+HK$408/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$13,402/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$7,015
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,203
−HK$191/mo
Today · 4.125%
HK$7,394
baseline
▲ 0.50% · 4.625%
HK$7,784
+HK$390/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$14,788/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$8,107
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$256/mo
Today · 4.125%
HK$8,616
baseline
▲ 0.50% · 4.625%
HK$9,140
+HK$524/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,232/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$9,019
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,261
−HK$246/mo
Today · 4.125%
HK$9,507
baseline
▲ 0.50% · 4.625%
HK$10,008
+HK$501/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,014/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).