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$4,457
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,595
−HK$141/mo
Today · 4.125%
HK$4,736
baseline
▲ 0.50% · 4.625%
HK$5,024
+HK$288/mo
Deposit HK$977K · loan HK$977K · min. income ≈ HK$9,472/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$4,958
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,091
−HK$135/mo
Today · 4.125%
HK$5,226
baseline
▲ 0.50% · 4.625%
HK$5,501
+HK$275/mo
Deposit HK$977K · loan HK$977K · min. income ≈ HK$10,452/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$5,348
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,514
−HK$169/mo
Today · 4.125%
HK$5,683
baseline
▲ 0.50% · 4.625%
HK$6,029
+HK$346/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$11,366/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$5,950
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,109
−HK$162/mo
Today · 4.125%
HK$6,271
baseline
▲ 0.50% · 4.625%
HK$6,602
+HK$331/mo
Deposit HK$782K · loan HK$1.17M · min. income ≈ HK$12,542/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$6,239
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,434
−HK$197/mo
Today · 4.125%
HK$6,631
baseline
▲ 0.50% · 4.625%
HK$7,034
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,262/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$6,941
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,127
−HK$189/mo
Today · 4.125%
HK$7,316
baseline
▲ 0.50% · 4.625%
HK$7,702
+HK$386/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,632/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$8,022
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$253/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$9,044
+HK$519/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,050/mo (50% DSR)
Upfront cash ≈ HK$196K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,925
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,164
−HK$243/mo
Today · 4.125%
HK$9,407
baseline
▲ 0.50% · 4.625%
HK$9,903
+HK$496/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,814/mo (50% DSR)
Upfront cash ≈ HK$196K (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).