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$282/mo
▼ 0.25% · 3.875%
HK$4,648
−HK$142/mo
Today · 4.125%
HK$4,790
baseline
▲ 0.50% · 4.625%
HK$5,082
+HK$292/mo
Deposit HK$988K · loan HK$988K · min. income ≈ HK$9,580/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$5,149
−HK$137/mo
Today · 4.125%
HK$5,286
baseline
▲ 0.50% · 4.625%
HK$5,564
+HK$278/mo
Deposit HK$988K · loan HK$988K · 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$5,409
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,578
−HK$171/mo
Today · 4.125%
HK$5,749
baseline
▲ 0.50% · 4.625%
HK$6,098
+HK$349/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$325/mo
▼ 0.25% · 3.875%
HK$6,179
−HK$164/mo
Today · 4.125%
HK$6,343
baseline
▲ 0.50% · 4.625%
HK$6,677
+HK$334/mo
Deposit HK$791K · loan HK$1.19M · min. income ≈ HK$12,686/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$6,311
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,507
−HK$200/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$7,021
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,209
−HK$191/mo
Today · 4.125%
HK$7,400
baseline
▲ 0.50% · 4.625%
HK$7,790
+HK$390/mo
Deposit HK$593K · loan HK$1.38M · min. income ≈ HK$14,800/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$8,114
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$257/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$525/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$17,246/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$9,027
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$245/mo
Today · 4.125%
HK$9,514
baseline
▲ 0.50% · 4.625%
HK$10,016
+HK$502/mo
Deposit HK$198K · loan HK$1.78M · min. income ≈ HK$19,028/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).