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$4,481
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,621
−HK$141/mo
Today · 4.125%
HK$4,762
baseline
▲ 0.50% · 4.625%
HK$5,052
+HK$290/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$9,524/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,985
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,119
−HK$136/mo
Today · 4.125%
HK$5,255
baseline
▲ 0.50% · 4.625%
HK$5,532
+HK$277/mo
Deposit HK$983K · loan HK$983K · min. income ≈ HK$10,510/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,378
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,545
−HK$170/mo
Today · 4.125%
HK$5,715
baseline
▲ 0.50% · 4.625%
HK$6,062
+HK$347/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$11,430/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$5,982
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,143
−HK$163/mo
Today · 4.125%
HK$6,306
baseline
▲ 0.50% · 4.625%
HK$6,638
+HK$332/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$12,612/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$6,274
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,469
−HK$198/mo
Today · 4.125%
HK$6,667
baseline
▲ 0.50% · 4.625%
HK$7,073
+HK$406/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$13,334/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,980
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$190/mo
Today · 4.125%
HK$7,357
baseline
▲ 0.50% · 4.625%
HK$7,744
+HK$387/mo
Deposit HK$590K · loan HK$1.38M · min. income ≈ HK$14,714/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,066
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$255/mo
Today · 4.125%
HK$8,572
baseline
▲ 0.50% · 4.625%
HK$9,094
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,144/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$8,974
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$244/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$9,957
+HK$499/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,916/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).