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$282/mo
▼ 0.25% · 3.875%
HK$4,638
−HK$142/mo
Today · 4.125%
HK$4,780
baseline
▲ 0.50% · 4.625%
HK$5,071
+HK$291/mo
Deposit HK$986K · loan HK$986K · min. income ≈ HK$9,560/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$5,138
−HK$137/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$338/mo
▼ 0.25% · 3.875%
HK$5,566
−HK$170/mo
Today · 4.125%
HK$5,736
baseline
▲ 0.50% · 4.625%
HK$6,085
+HK$349/mo
Deposit HK$789K · loan HK$1.18M · min. income ≈ HK$11,472/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$394/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$199/mo
Today · 4.125%
HK$6,692
baseline
▲ 0.50% · 4.625%
HK$7,100
+HK$408/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$13,384/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$378/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$190/mo
Today · 4.125%
HK$7,384
baseline
▲ 0.50% · 4.625%
HK$7,774
+HK$390/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$14,768/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$486/mo
▼ 0.25% · 3.875%
HK$9,249
−HK$245/mo
Today · 4.125%
HK$9,494
baseline
▲ 0.50% · 4.625%
HK$9,995
+HK$501/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$18,988/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).