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$280/mo
▼ 0.25% · 3.875%
HK$4,594
−HK$141/mo
Today · 4.125%
HK$4,735
baseline
▲ 0.50% · 4.625%
HK$5,023
+HK$288/mo
Deposit HK$977K · loan HK$977K · min. income ≈ HK$9,470/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$4,957
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,090
−HK$134/mo
Today · 4.125%
HK$5,224
baseline
▲ 0.50% · 4.625%
HK$5,500
+HK$276/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$5,347
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,513
−HK$169/mo
Today · 4.125%
HK$5,682
baseline
▲ 0.50% · 4.625%
HK$6,028
+HK$346/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$11,364/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$5,948
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,107
−HK$162/mo
Today · 4.125%
HK$6,269
baseline
▲ 0.50% · 4.625%
HK$6,600
+HK$331/mo
Deposit HK$782K · 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$6,238
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,432
−HK$197/mo
Today · 4.125%
HK$6,629
baseline
▲ 0.50% · 4.625%
HK$7,032
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,258/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$375/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$189/mo
Today · 4.125%
HK$7,314
baseline
▲ 0.50% · 4.625%
HK$7,700
+HK$386/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,628/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$8,020
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,269
−HK$254/mo
Today · 4.125%
HK$8,523
baseline
▲ 0.50% · 4.625%
HK$9,041
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,046/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$8,922
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,161
−HK$243/mo
Today · 4.125%
HK$9,404
baseline
▲ 0.50% · 4.625%
HK$9,900
+HK$496/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,808/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).