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$4,439
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,577
−HK$141/mo
Today · 4.125%
HK$4,718
baseline
▲ 0.50% · 4.625%
HK$5,005
+HK$287/mo
Deposit HK$973K · loan HK$973K · min. income ≈ HK$9,436/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$4,939
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,071
−HK$134/mo
Today · 4.125%
HK$5,205
baseline
▲ 0.50% · 4.625%
HK$5,480
+HK$275/mo
Deposit HK$973K · loan HK$973K · min. income ≈ HK$10,410/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$5,327
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,493
−HK$168/mo
Today · 4.125%
HK$5,661
baseline
▲ 0.50% · 4.625%
HK$6,006
+HK$345/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$11,322/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$5,926
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,085
−HK$162/mo
Today · 4.125%
HK$6,247
baseline
▲ 0.50% · 4.625%
HK$6,576
+HK$329/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$12,494/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$6,215
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,408
−HK$197/mo
Today · 4.125%
HK$6,605
baseline
▲ 0.50% · 4.625%
HK$7,007
+HK$402/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$13,210/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$6,914
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,100
−HK$188/mo
Today · 4.125%
HK$7,288
baseline
▲ 0.50% · 4.625%
HK$7,672
+HK$384/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$14,576/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$7,991
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,239
−HK$253/mo
Today · 4.125%
HK$8,492
baseline
▲ 0.50% · 4.625%
HK$9,009
+HK$517/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$16,984/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$8,890
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,128
−HK$242/mo
Today · 4.125%
HK$9,370
baseline
▲ 0.50% · 4.625%
HK$9,864
+HK$494/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$18,740/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).