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$4,474
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,613
−HK$141/mo
Today · 4.125%
HK$4,754
baseline
▲ 0.50% · 4.625%
HK$5,043
+HK$289/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$9,508/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,977
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,110
−HK$136/mo
Today · 4.125%
HK$5,246
baseline
▲ 0.50% · 4.625%
HK$5,522
+HK$276/mo
Deposit HK$981K · loan HK$981K · min. income ≈ HK$10,492/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,368
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,535
−HK$170/mo
Today · 4.125%
HK$5,705
baseline
▲ 0.50% · 4.625%
HK$6,052
+HK$347/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$11,410/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,972
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,132
−HK$163/mo
Today · 4.125%
HK$6,295
baseline
▲ 0.50% · 4.625%
HK$6,627
+HK$332/mo
Deposit HK$785K · loan HK$1.18M · min. income ≈ HK$12,590/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,263
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,458
−HK$198/mo
Today · 4.125%
HK$6,656
baseline
▲ 0.50% · 4.625%
HK$7,061
+HK$405/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$13,312/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,968
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$190/mo
Today · 4.125%
HK$7,344
baseline
▲ 0.50% · 4.625%
HK$7,731
+HK$387/mo
Deposit HK$589K · loan HK$1.37M · min. income ≈ HK$14,688/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,052
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$254/mo
Today · 4.125%
HK$8,557
baseline
▲ 0.50% · 4.625%
HK$9,078
+HK$521/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$17,114/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$8,958
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,199
−HK$243/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$9,940
+HK$498/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$18,884/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).