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$4,438
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,576
−HK$140/mo
Today · 4.125%
HK$4,716
baseline
▲ 0.50% · 4.625%
HK$5,003
+HK$287/mo
Deposit HK$973K · loan HK$973K · min. income ≈ HK$9,432/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,937
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,070
−HK$134/mo
Today · 4.125%
HK$5,204
baseline
▲ 0.50% · 4.625%
HK$5,478
+HK$274/mo
Deposit HK$973K · loan HK$973K · min. income ≈ HK$10,408/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,326
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,491
−HK$169/mo
Today · 4.125%
HK$5,660
baseline
▲ 0.50% · 4.625%
HK$6,004
+HK$344/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$11,320/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,925
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,084
−HK$161/mo
Today · 4.125%
HK$6,245
baseline
▲ 0.50% · 4.625%
HK$6,574
+HK$329/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$12,490/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,213
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,407
−HK$196/mo
Today · 4.125%
HK$6,603
baseline
▲ 0.50% · 4.625%
HK$7,005
+HK$402/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$13,206/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,912
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,098
−HK$188/mo
Today · 4.125%
HK$7,286
baseline
▲ 0.50% · 4.625%
HK$7,670
+HK$384/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$14,572/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,989
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$253/mo
Today · 4.125%
HK$8,490
baseline
▲ 0.50% · 4.625%
HK$9,006
+HK$516/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$16,980/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$8,887
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,126
−HK$241/mo
Today · 4.125%
HK$9,367
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$494/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$18,734/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).