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$4,448
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,587
−HK$140/mo
Today · 4.125%
HK$4,727
baseline
▲ 0.50% · 4.625%
HK$5,015
+HK$288/mo
Deposit HK$975K · loan HK$975K · min. income ≈ HK$9,454/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,949
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,081
−HK$135/mo
Today · 4.125%
HK$5,216
baseline
▲ 0.50% · 4.625%
HK$5,491
+HK$275/mo
Deposit HK$975K · loan HK$975K · min. income ≈ HK$10,432/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,338
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,504
−HK$168/mo
Today · 4.125%
HK$5,672
baseline
▲ 0.50% · 4.625%
HK$6,018
+HK$346/mo
Deposit HK$780K · loan HK$1.17M · min. income ≈ HK$11,344/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,938
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,097
−HK$162/mo
Today · 4.125%
HK$6,259
baseline
▲ 0.50% · 4.625%
HK$6,589
+HK$330/mo
Deposit HK$780K · loan HK$1.17M · min. income ≈ HK$12,518/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,227
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,421
−HK$197/mo
Today · 4.125%
HK$6,618
baseline
▲ 0.50% · 4.625%
HK$7,021
+HK$403/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$13,236/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,928
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,114
−HK$188/mo
Today · 4.125%
HK$7,302
baseline
▲ 0.50% · 4.625%
HK$7,687
+HK$385/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$14,604/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,007
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,256
−HK$253/mo
Today · 4.125%
HK$8,509
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$517/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,018/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$8,907
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$243/mo
Today · 4.125%
HK$9,389
baseline
▲ 0.50% · 4.625%
HK$9,883
+HK$494/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,778/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).