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$4,452
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,591
−HK$141/mo
Today · 4.125%
HK$4,732
baseline
▲ 0.50% · 4.625%
HK$5,020
+HK$288/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$9,464/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,953
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,086
−HK$135/mo
Today · 4.125%
HK$5,221
baseline
▲ 0.50% · 4.625%
HK$5,496
+HK$275/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$10,442/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,343
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,509
−HK$169/mo
Today · 4.125%
HK$5,678
baseline
▲ 0.50% · 4.625%
HK$6,023
+HK$345/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$11,356/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$5,944
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,103
−HK$162/mo
Today · 4.125%
HK$6,265
baseline
▲ 0.50% · 4.625%
HK$6,595
+HK$330/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$12,530/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$6,233
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,427
−HK$197/mo
Today · 4.125%
HK$6,624
baseline
▲ 0.50% · 4.625%
HK$7,027
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,248/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$6,935
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,121
−HK$188/mo
Today · 4.125%
HK$7,309
baseline
▲ 0.50% · 4.625%
HK$7,695
+HK$386/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,618/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$8,014
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,264
−HK$253/mo
Today · 4.125%
HK$8,517
baseline
▲ 0.50% · 4.625%
HK$9,035
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,034/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$8,916
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,155
−HK$243/mo
Today · 4.125%
HK$9,398
baseline
▲ 0.50% · 4.625%
HK$9,893
+HK$495/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,796/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).