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$4,456
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,595
−HK$141/mo
Today · 4.125%
HK$4,736
baseline
▲ 0.50% · 4.625%
HK$5,024
+HK$288/mo
Deposit HK$977K · loan HK$977K · min. income ≈ HK$9,472/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,957
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,090
−HK$135/mo
Today · 4.125%
HK$5,225
baseline
▲ 0.50% · 4.625%
HK$5,501
+HK$276/mo
Deposit HK$977K · loan HK$977K · min. income ≈ HK$10,450/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,347
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,514
−HK$169/mo
Today · 4.125%
HK$5,683
baseline
▲ 0.50% · 4.625%
HK$6,029
+HK$346/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$11,366/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,949
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,109
−HK$161/mo
Today · 4.125%
HK$6,270
baseline
▲ 0.50% · 4.625%
HK$6,601
+HK$331/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$12,540/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,239
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,433
−HK$197/mo
Today · 4.125%
HK$6,630
baseline
▲ 0.50% · 4.625%
HK$7,033
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,260/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$6,940
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,127
−HK$188/mo
Today · 4.125%
HK$7,315
baseline
▲ 0.50% · 4.625%
HK$7,701
+HK$386/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,630/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$8,021
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,271
−HK$253/mo
Today · 4.125%
HK$8,524
baseline
▲ 0.50% · 4.625%
HK$9,043
+HK$519/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,048/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$8,923
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,163
−HK$243/mo
Today · 4.125%
HK$9,406
baseline
▲ 0.50% · 4.625%
HK$9,901
+HK$495/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,812/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).