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$4,454
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,593
−HK$141/mo
Today · 4.125%
HK$4,734
baseline
▲ 0.50% · 4.625%
HK$5,022
+HK$288/mo
Deposit HK$977K · loan HK$977K · min. income ≈ HK$9,468/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$4,955
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,088
−HK$135/mo
Today · 4.125%
HK$5,223
baseline
▲ 0.50% · 4.625%
HK$5,498
+HK$275/mo
Deposit HK$977K · loan HK$977K · min. income ≈ HK$10,446/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$5,345
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,511
−HK$169/mo
Today · 4.125%
HK$5,680
baseline
▲ 0.50% · 4.625%
HK$6,026
+HK$346/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$11,360/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$5,946
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,106
−HK$162/mo
Today · 4.125%
HK$6,268
baseline
▲ 0.50% · 4.625%
HK$6,598
+HK$330/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$12,536/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$6,236
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,430
−HK$197/mo
Today · 4.125%
HK$6,627
baseline
▲ 0.50% · 4.625%
HK$7,030
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,254/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$6,937
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,124
−HK$188/mo
Today · 4.125%
HK$7,312
baseline
▲ 0.50% · 4.625%
HK$7,698
+HK$386/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,624/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$8,018
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,267
−HK$253/mo
Today · 4.125%
HK$8,520
baseline
▲ 0.50% · 4.625%
HK$9,039
+HK$519/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,040/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$8,920
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$242/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,897
+HK$496/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,802/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).