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$4,586
−HK$141/mo
Today · 4.125%
HK$4,727
baseline
▲ 0.50% · 4.625%
HK$5,014
+HK$287/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$4,948
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,081
−HK$134/mo
Today · 4.125%
HK$5,215
baseline
▲ 0.50% · 4.625%
HK$5,490
+HK$275/mo
Deposit HK$975K · loan HK$975K · min. income ≈ HK$10,430/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$5,337
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,503
−HK$169/mo
Today · 4.125%
HK$5,672
baseline
▲ 0.50% · 4.625%
HK$6,017
+HK$345/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$6,588
+HK$329/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$390/mo
▼ 0.25% · 3.875%
HK$6,421
−HK$196/mo
Today · 4.125%
HK$6,617
baseline
▲ 0.50% · 4.625%
HK$7,020
+HK$403/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$13,234/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$6,927
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,113
−HK$189/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$8,006
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,255
−HK$253/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,016/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$481/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$242/mo
Today · 4.125%
HK$9,388
baseline
▲ 0.50% · 4.625%
HK$9,883
+HK$495/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,776/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).