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$4,489
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,629
−HK$141/mo
Today · 4.125%
HK$4,770
baseline
▲ 0.50% · 4.625%
HK$5,061
+HK$291/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$9,540/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,994
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,128
−HK$136/mo
Today · 4.125%
HK$5,264
baseline
▲ 0.50% · 4.625%
HK$5,541
+HK$277/mo
Deposit HK$984K · loan HK$984K · min. income ≈ HK$10,528/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,387
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,554
−HK$171/mo
Today · 4.125%
HK$5,725
baseline
▲ 0.50% · 4.625%
HK$6,073
+HK$348/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$11,450/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,993
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,153
−HK$163/mo
Today · 4.125%
HK$6,316
baseline
▲ 0.50% · 4.625%
HK$6,649
+HK$333/mo
Deposit HK$787K · loan HK$1.18M · min. income ≈ HK$12,632/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,285
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,480
−HK$199/mo
Today · 4.125%
HK$6,679
baseline
▲ 0.50% · 4.625%
HK$7,085
+HK$406/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$13,358/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,991
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,179
−HK$190/mo
Today · 4.125%
HK$7,369
baseline
▲ 0.50% · 4.625%
HK$7,758
+HK$389/mo
Deposit HK$591K · loan HK$1.38M · min. income ≈ HK$14,738/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,080
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$256/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$522/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$17,174/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$8,989
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$245/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$499/mo
Deposit HK$197K · loan HK$1.77M · min. income ≈ HK$18,950/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).