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$279/mo
▼ 0.25% · 3.875%
HK$4,590
−HK$141/mo
Today · 4.125%
HK$4,731
baseline
▲ 0.50% · 4.625%
HK$5,019
+HK$288/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$9,462/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$267/mo
▼ 0.25% · 3.875%
HK$5,085
−HK$135/mo
Today · 4.125%
HK$5,220
baseline
▲ 0.50% · 4.625%
HK$5,495
+HK$275/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$10,440/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$5,342
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,508
−HK$169/mo
Today · 4.125%
HK$5,677
baseline
▲ 0.50% · 4.625%
HK$6,023
+HK$346/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$11,354/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$5,943
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,102
−HK$162/mo
Today · 4.125%
HK$6,264
baseline
▲ 0.50% · 4.625%
HK$6,594
+HK$330/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$12,528/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$6,232
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,426
−HK$197/mo
Today · 4.125%
HK$6,623
baseline
▲ 0.50% · 4.625%
HK$7,026
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,246/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$6,934
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,120
−HK$188/mo
Today · 4.125%
HK$7,308
baseline
▲ 0.50% · 4.625%
HK$7,693
+HK$385/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,616/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$8,013
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,262
−HK$254/mo
Today · 4.125%
HK$8,516
baseline
▲ 0.50% · 4.625%
HK$9,034
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,032/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$8,915
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,154
−HK$242/mo
Today · 4.125%
HK$9,396
baseline
▲ 0.50% · 4.625%
HK$9,892
+HK$496/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,792/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).