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$4,462
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,601
−HK$141/mo
Today · 4.125%
HK$4,742
baseline
▲ 0.50% · 4.625%
HK$5,030
+HK$288/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$9,484/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,964
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,097
−HK$135/mo
Today · 4.125%
HK$5,232
baseline
▲ 0.50% · 4.625%
HK$5,508
+HK$276/mo
Deposit HK$978K · loan HK$978K · min. income ≈ HK$10,464/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,354
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,521
−HK$169/mo
Today · 4.125%
HK$5,690
baseline
▲ 0.50% · 4.625%
HK$6,036
+HK$346/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$11,380/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,957
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,116
−HK$162/mo
Today · 4.125%
HK$6,278
baseline
▲ 0.50% · 4.625%
HK$6,609
+HK$331/mo
Deposit HK$783K · loan HK$1.17M · min. income ≈ HK$12,556/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,247
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,441
−HK$197/mo
Today · 4.125%
HK$6,638
baseline
▲ 0.50% · 4.625%
HK$7,042
+HK$404/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$13,276/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,949
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$189/mo
Today · 4.125%
HK$7,325
baseline
▲ 0.50% · 4.625%
HK$7,711
+HK$386/mo
Deposit HK$587K · loan HK$1.37M · min. income ≈ HK$14,650/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,032
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$254/mo
Today · 4.125%
HK$8,535
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$520/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,070/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$8,935
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,175
−HK$243/mo
Today · 4.125%
HK$9,418
baseline
▲ 0.50% · 4.625%
HK$9,914
+HK$496/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,836/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).