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$4,508
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,648
−HK$143/mo
Today · 4.125%
HK$4,791
baseline
▲ 0.50% · 4.625%
HK$5,082
+HK$291/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$9,582/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,015
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,150
−HK$136/mo
Today · 4.125%
HK$5,286
baseline
▲ 0.50% · 4.625%
HK$5,565
+HK$279/mo
Deposit HK$989K · loan HK$989K · min. income ≈ HK$10,572/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,410
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,578
−HK$171/mo
Today · 4.125%
HK$5,749
baseline
▲ 0.50% · 4.625%
HK$6,099
+HK$350/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$11,498/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,018
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,180
−HK$164/mo
Today · 4.125%
HK$6,344
baseline
▲ 0.50% · 4.625%
HK$6,678
+HK$334/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$12,688/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,312
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,508
−HK$199/mo
Today · 4.125%
HK$6,707
baseline
▲ 0.50% · 4.625%
HK$7,115
+HK$408/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$13,414/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,022
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,210
−HK$191/mo
Today · 4.125%
HK$7,401
baseline
▲ 0.50% · 4.625%
HK$7,791
+HK$390/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$14,802/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,115
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$257/mo
Today · 4.125%
HK$8,624
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$524/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,248/mo (50% DSR)
Upfront cash ≈ HK$198K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,028
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,270
−HK$245/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,017
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,030/mo (50% DSR)
Upfront cash ≈ HK$198K (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).