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$4,471
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,610
−HK$141/mo
Today · 4.125%
HK$4,751
baseline
▲ 0.50% · 4.625%
HK$5,040
+HK$289/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$9,502/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,974
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,107
−HK$135/mo
Today · 4.125%
HK$5,242
baseline
▲ 0.50% · 4.625%
HK$5,519
+HK$277/mo
Deposit HK$980K · loan HK$980K · min. income ≈ HK$10,484/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,365
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,532
−HK$169/mo
Today · 4.125%
HK$5,701
baseline
▲ 0.50% · 4.625%
HK$6,048
+HK$347/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$11,402/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,969
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,129
−HK$162/mo
Today · 4.125%
HK$6,291
baseline
▲ 0.50% · 4.625%
HK$6,623
+HK$332/mo
Deposit HK$784K · loan HK$1.18M · min. income ≈ HK$12,582/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,259
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,454
−HK$198/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,056
+HK$404/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$13,304/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,963
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,150
−HK$189/mo
Today · 4.125%
HK$7,339
baseline
▲ 0.50% · 4.625%
HK$7,726
+HK$387/mo
Deposit HK$588K · loan HK$1.37M · min. income ≈ HK$14,678/mo (50% DSR)
Upfront cash ≈ HK$588K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,047
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,298
−HK$254/mo
Today · 4.125%
HK$8,552
baseline
▲ 0.50% · 4.625%
HK$9,073
+HK$521/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$17,104/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$8,953
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,193
−HK$243/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$498/mo
Deposit HK$196K · loan HK$1.76M · min. income ≈ HK$18,872/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).