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$4,503
−HK$282/mo
▼ 0.25% · 3.875%
HK$4,643
−HK$142/mo
Today · 4.125%
HK$4,785
baseline
▲ 0.50% · 4.625%
HK$5,077
+HK$292/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$9,570/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,009
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,144
−HK$136/mo
Today · 4.125%
HK$5,280
baseline
▲ 0.50% · 4.625%
HK$5,558
+HK$278/mo
Deposit HK$987K · loan HK$987K · min. income ≈ HK$10,560/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,404
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,572
−HK$170/mo
Today · 4.125%
HK$5,742
baseline
▲ 0.50% · 4.625%
HK$6,092
+HK$350/mo
Deposit HK$790K · loan HK$1.18M · min. income ≈ HK$11,484/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,011
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,173
−HK$163/mo
Today · 4.125%
HK$6,336
baseline
▲ 0.50% · 4.625%
HK$6,670
+HK$334/mo
Deposit HK$790K · loan HK$1.18M · min. income ≈ HK$12,672/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,304
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,500
−HK$199/mo
Today · 4.125%
HK$6,699
baseline
▲ 0.50% · 4.625%
HK$7,107
+HK$408/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$13,398/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$7,013
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,201
−HK$191/mo
Today · 4.125%
HK$7,392
baseline
▲ 0.50% · 4.625%
HK$7,782
+HK$390/mo
Deposit HK$592K · loan HK$1.38M · min. income ≈ HK$14,784/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$8,105
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,357
−HK$257/mo
Today · 4.125%
HK$8,614
baseline
▲ 0.50% · 4.625%
HK$9,138
+HK$524/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$17,228/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$9,017
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$245/mo
Today · 4.125%
HK$9,504
baseline
▲ 0.50% · 4.625%
HK$10,005
+HK$501/mo
Deposit HK$197K · loan HK$1.78M · min. income ≈ HK$19,008/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).