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$4,455
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,594
−HK$140/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$4,956
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,089
−HK$135/mo
Today · 4.125%
HK$5,224
baseline
▲ 0.50% · 4.625%
HK$5,499
+HK$275/mo
Deposit HK$977K · loan HK$977K · min. income ≈ HK$10,448/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$5,346
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,512
−HK$169/mo
Today · 4.125%
HK$5,681
baseline
▲ 0.50% · 4.625%
HK$6,027
+HK$346/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$11,362/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$5,947
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,107
−HK$162/mo
Today · 4.125%
HK$6,269
baseline
▲ 0.50% · 4.625%
HK$6,599
+HK$330/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$12,538/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$6,237
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,431
−HK$197/mo
Today · 4.125%
HK$6,628
baseline
▲ 0.50% · 4.625%
HK$7,031
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,256/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$6,939
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$188/mo
Today · 4.125%
HK$7,313
baseline
▲ 0.50% · 4.625%
HK$7,699
+HK$386/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,626/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$8,019
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,268
−HK$254/mo
Today · 4.125%
HK$8,522
baseline
▲ 0.50% · 4.625%
HK$9,040
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,044/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$8,921
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,160
−HK$243/mo
Today · 4.125%
HK$9,403
baseline
▲ 0.50% · 4.625%
HK$9,899
+HK$496/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,806/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).