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$4,423
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,561
−HK$140/mo
Today · 4.125%
HK$4,701
baseline
▲ 0.50% · 4.625%
HK$4,987
+HK$286/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$9,402/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,921
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,053
−HK$134/mo
Today · 4.125%
HK$5,187
baseline
▲ 0.50% · 4.625%
HK$5,460
+HK$273/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$10,374/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,308
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,473
−HK$168/mo
Today · 4.125%
HK$5,641
baseline
▲ 0.50% · 4.625%
HK$5,984
+HK$343/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$11,282/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,905
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,064
−HK$160/mo
Today · 4.125%
HK$6,224
baseline
▲ 0.50% · 4.625%
HK$6,552
+HK$328/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$12,448/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,193
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,386
−HK$195/mo
Today · 4.125%
HK$6,581
baseline
▲ 0.50% · 4.625%
HK$6,982
+HK$401/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,162/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,890
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$188/mo
Today · 4.125%
HK$7,262
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,524/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,962
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,210
−HK$252/mo
Today · 4.125%
HK$8,462
baseline
▲ 0.50% · 4.625%
HK$8,976
+HK$514/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,924/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,858
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,096
−HK$241/mo
Today · 4.125%
HK$9,337
baseline
▲ 0.50% · 4.625%
HK$9,829
+HK$492/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,674/mo (50% DSR)
Upfront cash ≈ HK$194K (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).