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$4,450
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,588
−HK$141/mo
Today · 4.125%
HK$4,729
baseline
▲ 0.50% · 4.625%
HK$5,017
+HK$288/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$9,458/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,950
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,083
−HK$135/mo
Today · 4.125%
HK$5,218
baseline
▲ 0.50% · 4.625%
HK$5,493
+HK$275/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$10,436/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,340
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,506
−HK$169/mo
Today · 4.125%
HK$5,675
baseline
▲ 0.50% · 4.625%
HK$6,020
+HK$345/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$11,350/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,940
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,100
−HK$161/mo
Today · 4.125%
HK$6,261
baseline
▲ 0.50% · 4.625%
HK$6,591
+HK$330/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$12,522/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,230
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,423
−HK$197/mo
Today · 4.125%
HK$6,620
baseline
▲ 0.50% · 4.625%
HK$7,023
+HK$403/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$13,240/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,930
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,116
−HK$189/mo
Today · 4.125%
HK$7,305
baseline
▲ 0.50% · 4.625%
HK$7,690
+HK$385/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$14,610/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,010
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$253/mo
Today · 4.125%
HK$8,512
baseline
▲ 0.50% · 4.625%
HK$9,030
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,024/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$8,911
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$242/mo
Today · 4.125%
HK$9,392
baseline
▲ 0.50% · 4.625%
HK$9,887
+HK$495/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,784/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).