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$4,443
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,581
−HK$140/mo
Today · 4.125%
HK$4,721
baseline
▲ 0.50% · 4.625%
HK$5,009
+HK$288/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$9,442/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,942
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,075
−HK$134/mo
Today · 4.125%
HK$5,209
baseline
▲ 0.50% · 4.625%
HK$5,484
+HK$275/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$10,418/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,331
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,497
−HK$168/mo
Today · 4.125%
HK$5,665
baseline
▲ 0.50% · 4.625%
HK$6,010
+HK$345/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$11,330/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$5,931
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,090
−HK$161/mo
Today · 4.125%
HK$6,251
baseline
▲ 0.50% · 4.625%
HK$6,581
+HK$330/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$12,502/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$6,220
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,413
−HK$197/mo
Today · 4.125%
HK$6,610
baseline
▲ 0.50% · 4.625%
HK$7,012
+HK$402/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$13,220/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$6,919
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,105
−HK$188/mo
Today · 4.125%
HK$7,293
baseline
▲ 0.50% · 4.625%
HK$7,678
+HK$385/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$14,586/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$7,997
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,246
−HK$252/mo
Today · 4.125%
HK$8,498
baseline
▲ 0.50% · 4.625%
HK$9,015
+HK$517/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$16,996/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$8,896
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,135
−HK$242/mo
Today · 4.125%
HK$9,377
baseline
▲ 0.50% · 4.625%
HK$9,871
+HK$494/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$18,754/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).