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$4,447
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,586
−HK$140/mo
Today · 4.125%
HK$4,726
baseline
▲ 0.50% · 4.625%
HK$5,014
+HK$288/mo
Deposit HK$975K · loan HK$975K · min. income ≈ HK$9,452/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,947
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,080
−HK$135/mo
Today · 4.125%
HK$5,215
baseline
▲ 0.50% · 4.625%
HK$5,490
+HK$275/mo
Deposit HK$975K · loan HK$975K · min. income ≈ HK$10,430/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,337
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,503
−HK$168/mo
Today · 4.125%
HK$5,671
baseline
▲ 0.50% · 4.625%
HK$6,016
+HK$345/mo
Deposit HK$780K · loan HK$1.17M · min. income ≈ HK$11,342/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,937
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,096
−HK$162/mo
Today · 4.125%
HK$6,258
baseline
▲ 0.50% · 4.625%
HK$6,588
+HK$330/mo
Deposit HK$780K · loan HK$1.17M · min. income ≈ HK$12,516/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,226
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,420
−HK$197/mo
Today · 4.125%
HK$6,617
baseline
▲ 0.50% · 4.625%
HK$7,019
+HK$402/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$13,234/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,926
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,112
−HK$189/mo
Today · 4.125%
HK$7,301
baseline
▲ 0.50% · 4.625%
HK$7,686
+HK$385/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$14,602/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,005
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,254
−HK$253/mo
Today · 4.125%
HK$8,507
baseline
▲ 0.50% · 4.625%
HK$9,025
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,014/mo (50% DSR)
Upfront cash ≈ HK$195K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,905
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,144
−HK$243/mo
Today · 4.125%
HK$9,387
baseline
▲ 0.50% · 4.625%
HK$9,881
+HK$494/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,774/mo (50% DSR)
Upfront cash ≈ HK$195K (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).