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$4,441
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,579
−HK$141/mo
Today · 4.125%
HK$4,720
baseline
▲ 0.50% · 4.625%
HK$5,007
+HK$287/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$9,440/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$4,941
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,073
−HK$135/mo
Today · 4.125%
HK$5,208
baseline
▲ 0.50% · 4.625%
HK$5,482
+HK$274/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$10,416/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$5,329
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,495
−HK$168/mo
Today · 4.125%
HK$5,663
baseline
▲ 0.50% · 4.625%
HK$6,008
+HK$345/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$11,326/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$5,929
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,088
−HK$161/mo
Today · 4.125%
HK$6,249
baseline
▲ 0.50% · 4.625%
HK$6,578
+HK$329/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$12,498/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$6,217
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,411
−HK$196/mo
Today · 4.125%
HK$6,607
baseline
▲ 0.50% · 4.625%
HK$7,009
+HK$402/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$13,214/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$6,917
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$189/mo
Today · 4.125%
HK$7,291
baseline
▲ 0.50% · 4.625%
HK$7,675
+HK$384/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$14,582/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$7,994
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,243
−HK$252/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$9,012
+HK$517/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$16,990/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$8,893
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$242/mo
Today · 4.125%
HK$9,374
baseline
▲ 0.50% · 4.625%
HK$9,868
+HK$494/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$18,748/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).