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$4,446
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,585
−HK$140/mo
Today · 4.125%
HK$4,725
baseline
▲ 0.50% · 4.625%
HK$5,013
+HK$288/mo
Deposit HK$975K · loan HK$975K · min. income ≈ HK$9,450/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$4,946
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,079
−HK$135/mo
Today · 4.125%
HK$5,214
baseline
▲ 0.50% · 4.625%
HK$5,489
+HK$275/mo
Deposit HK$975K · loan HK$975K · min. income ≈ HK$10,428/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$5,336
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,502
−HK$168/mo
Today · 4.125%
HK$5,670
baseline
▲ 0.50% · 4.625%
HK$6,015
+HK$345/mo
Deposit HK$780K · loan HK$1.17M · min. income ≈ HK$11,340/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$5,936
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,095
−HK$161/mo
Today · 4.125%
HK$6,256
baseline
▲ 0.50% · 4.625%
HK$6,586
+HK$330/mo
Deposit HK$780K · loan HK$1.17M · min. income ≈ HK$12,512/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$6,225
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,418
−HK$197/mo
Today · 4.125%
HK$6,615
baseline
▲ 0.50% · 4.625%
HK$7,018
+HK$403/mo
Deposit HK$585K · loan HK$1.36M · min. income ≈ HK$13,230/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$6,925
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,111
−HK$188/mo
Today · 4.125%
HK$7,299
baseline
▲ 0.50% · 4.625%
HK$7,684
+HK$385/mo
Deposit HK$585K · loan HK$1.36M · min. income ≈ HK$14,598/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$8,003
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$253/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$518/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$17,010/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$8,904
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,142
−HK$243/mo
Today · 4.125%
HK$9,385
baseline
▲ 0.50% · 4.625%
HK$9,879
+HK$494/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$18,770/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).