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$4,475
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,615
−HK$141/mo
Today · 4.125%
HK$4,756
baseline
▲ 0.50% · 4.625%
HK$5,045
+HK$289/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$9,512/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,979
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,112
−HK$136/mo
Today · 4.125%
HK$5,248
baseline
▲ 0.50% · 4.625%
HK$5,524
+HK$276/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$10,496/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,370
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,538
−HK$169/mo
Today · 4.125%
HK$5,707
baseline
▲ 0.50% · 4.625%
HK$6,055
+HK$348/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$11,414/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,975
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,135
−HK$162/mo
Today · 4.125%
HK$6,297
baseline
▲ 0.50% · 4.625%
HK$6,629
+HK$332/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$12,594/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,266
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,460
−HK$198/mo
Today · 4.125%
HK$6,658
baseline
▲ 0.50% · 4.625%
HK$7,064
+HK$406/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$13,316/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,970
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,157
−HK$190/mo
Today · 4.125%
HK$7,347
baseline
▲ 0.50% · 4.625%
HK$7,734
+HK$387/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$14,694/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,056
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$255/mo
Today · 4.125%
HK$8,561
baseline
▲ 0.50% · 4.625%
HK$9,082
+HK$521/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$17,122/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$8,962
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,202
−HK$244/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$9,944
+HK$498/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$18,892/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).