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$4,478
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,617
−HK$142/mo
Today · 4.125%
HK$4,759
baseline
▲ 0.50% · 4.625%
HK$5,048
+HK$289/mo
Deposit HK$982K · loan HK$982K · min. income ≈ HK$9,518/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,981
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,115
−HK$136/mo
Today · 4.125%
HK$5,251
baseline
▲ 0.50% · 4.625%
HK$5,527
+HK$276/mo
Deposit HK$982K · loan HK$982K · min. income ≈ HK$10,502/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,373
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,540
−HK$170/mo
Today · 4.125%
HK$5,710
baseline
▲ 0.50% · 4.625%
HK$6,058
+HK$348/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$11,420/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,978
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,138
−HK$163/mo
Today · 4.125%
HK$6,301
baseline
▲ 0.50% · 4.625%
HK$6,633
+HK$332/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$12,602/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,269
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,464
−HK$198/mo
Today · 4.125%
HK$6,662
baseline
▲ 0.50% · 4.625%
HK$7,067
+HK$405/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$13,324/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$6,974
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,161
−HK$190/mo
Today · 4.125%
HK$7,351
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$387/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$14,702/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$8,060
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,311
−HK$254/mo
Today · 4.125%
HK$8,565
baseline
▲ 0.50% · 4.625%
HK$9,087
+HK$522/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$17,130/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$8,967
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,207
−HK$244/mo
Today · 4.125%
HK$9,451
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$498/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$18,902/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).