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$4,498
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,638
−HK$143/mo
Today · 4.125%
HK$4,781
baseline
▲ 0.50% · 4.625%
HK$5,071
+HK$290/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$9,562/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,004
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,139
−HK$136/mo
Today · 4.125%
HK$5,275
baseline
▲ 0.50% · 4.625%
HK$5,553
+HK$278/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$10,550/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,398
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,566
−HK$171/mo
Today · 4.125%
HK$5,737
baseline
▲ 0.50% · 4.625%
HK$6,086
+HK$349/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$11,474/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$6,005
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,166
−HK$164/mo
Today · 4.125%
HK$6,330
baseline
▲ 0.50% · 4.625%
HK$6,663
+HK$333/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$12,660/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$6,298
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,494
−HK$199/mo
Today · 4.125%
HK$6,693
baseline
▲ 0.50% · 4.625%
HK$7,100
+HK$407/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$13,386/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$7,006
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$191/mo
Today · 4.125%
HK$7,385
baseline
▲ 0.50% · 4.625%
HK$7,774
+HK$389/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$14,770/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$8,097
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,349
−HK$256/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,128
+HK$523/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$17,210/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$9,008
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$245/mo
Today · 4.125%
HK$9,495
baseline
▲ 0.50% · 4.625%
HK$9,995
+HK$500/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$18,990/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).