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$4,451
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,590
−HK$140/mo
Today · 4.125%
HK$4,730
baseline
▲ 0.50% · 4.625%
HK$5,018
+HK$288/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$9,460/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$4,952
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,085
−HK$134/mo
Today · 4.125%
HK$5,219
baseline
▲ 0.50% · 4.625%
HK$5,495
+HK$276/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$10,438/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$5,341
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,508
−HK$168/mo
Today · 4.125%
HK$5,676
baseline
▲ 0.50% · 4.625%
HK$6,022
+HK$346/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$11,352/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$5,942
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,102
−HK$161/mo
Today · 4.125%
HK$6,263
baseline
▲ 0.50% · 4.625%
HK$6,593
+HK$330/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$12,526/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$390/mo
▼ 0.25% · 3.875%
HK$6,425
−HK$197/mo
Today · 4.125%
HK$6,622
baseline
▲ 0.50% · 4.625%
HK$7,025
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,244/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$6,933
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,119
−HK$188/mo
Today · 4.125%
HK$7,307
baseline
▲ 0.50% · 4.625%
HK$7,692
+HK$385/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,614/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$8,012
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,261
−HK$254/mo
Today · 4.125%
HK$8,515
baseline
▲ 0.50% · 4.625%
HK$9,033
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,030/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$8,913
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,152
−HK$243/mo
Today · 4.125%
HK$9,395
baseline
▲ 0.50% · 4.625%
HK$9,890
+HK$495/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,790/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).