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$4,440
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,578
−HK$141/mo
Today · 4.125%
HK$4,719
baseline
▲ 0.50% · 4.625%
HK$5,006
+HK$287/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$9,438/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$4,940
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,072
−HK$135/mo
Today · 4.125%
HK$5,207
baseline
▲ 0.50% · 4.625%
HK$5,481
+HK$274/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$10,414/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$5,328
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$168/mo
Today · 4.125%
HK$5,662
baseline
▲ 0.50% · 4.625%
HK$6,007
+HK$345/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$11,324/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$5,928
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,087
−HK$161/mo
Today · 4.125%
HK$6,248
baseline
▲ 0.50% · 4.625%
HK$6,577
+HK$329/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$12,496/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$6,216
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,410
−HK$196/mo
Today · 4.125%
HK$6,606
baseline
▲ 0.50% · 4.625%
HK$7,008
+HK$402/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$13,212/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$6,916
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,101
−HK$188/mo
Today · 4.125%
HK$7,289
baseline
▲ 0.50% · 4.625%
HK$7,673
+HK$384/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$14,578/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$7,992
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,241
−HK$253/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$516/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$16,988/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$8,891
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$242/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,866
+HK$494/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$18,744/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).