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$4,443
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,581
−HK$141/mo
Today · 4.125%
HK$4,722
baseline
▲ 0.50% · 4.625%
HK$5,009
+HK$287/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$9,444/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$4,943
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,076
−HK$134/mo
Today · 4.125%
HK$5,210
baseline
▲ 0.50% · 4.625%
HK$5,485
+HK$275/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$10,420/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$5,332
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,498
−HK$168/mo
Today · 4.125%
HK$5,666
baseline
▲ 0.50% · 4.625%
HK$6,011
+HK$345/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$11,332/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$5,932
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,091
−HK$161/mo
Today · 4.125%
HK$6,252
baseline
▲ 0.50% · 4.625%
HK$6,582
+HK$330/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$12,504/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$6,221
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,414
−HK$197/mo
Today · 4.125%
HK$6,611
baseline
▲ 0.50% · 4.625%
HK$7,013
+HK$402/mo
Deposit HK$585K · loan HK$1.36M · min. income ≈ HK$13,222/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$6,920
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,106
−HK$188/mo
Today · 4.125%
HK$7,294
baseline
▲ 0.50% · 4.625%
HK$7,679
+HK$385/mo
Deposit HK$585K · loan HK$1.36M · min. income ≈ HK$14,588/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$7,998
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,247
−HK$252/mo
Today · 4.125%
HK$8,499
baseline
▲ 0.50% · 4.625%
HK$9,017
+HK$518/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$16,998/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$8,898
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,136
−HK$242/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,873
+HK$495/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$18,756/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).