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$280/mo
▼ 0.25% · 3.875%
HK$4,614
−HK$141/mo
Today · 4.125%
HK$4,755
baseline
▲ 0.50% · 4.625%
HK$5,045
+HK$290/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$9,510/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$4,978
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,112
−HK$135/mo
Today · 4.125%
HK$5,247
baseline
▲ 0.50% · 4.625%
HK$5,524
+HK$277/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$10,494/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$336/mo
▼ 0.25% · 3.875%
HK$5,537
−HK$169/mo
Today · 4.125%
HK$5,706
baseline
▲ 0.50% · 4.625%
HK$6,054
+HK$348/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$11,412/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$5,974
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,134
−HK$162/mo
Today · 4.125%
HK$6,296
baseline
▲ 0.50% · 4.625%
HK$6,628
+HK$332/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$12,592/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$6,265
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,459
−HK$198/mo
Today · 4.125%
HK$6,657
baseline
▲ 0.50% · 4.625%
HK$7,063
+HK$406/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$13,314/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$6,969
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,156
−HK$190/mo
Today · 4.125%
HK$7,346
baseline
▲ 0.50% · 4.625%
HK$7,733
+HK$387/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$14,692/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$8,055
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$255/mo
Today · 4.125%
HK$8,560
baseline
▲ 0.50% · 4.625%
HK$9,080
+HK$520/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$17,120/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$8,961
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,201
−HK$244/mo
Today · 4.125%
HK$9,445
baseline
▲ 0.50% · 4.625%
HK$9,943
+HK$498/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$18,890/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).