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$4,426
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,564
−HK$139/mo
Today · 4.125%
HK$4,703
baseline
▲ 0.50% · 4.625%
HK$4,990
+HK$287/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$9,406/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,924
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,056
−HK$134/mo
Today · 4.125%
HK$5,190
baseline
▲ 0.50% · 4.625%
HK$5,463
+HK$273/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$10,380/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,311
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,476
−HK$168/mo
Today · 4.125%
HK$5,644
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$344/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$11,288/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$5,908
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$161/mo
Today · 4.125%
HK$6,228
baseline
▲ 0.50% · 4.625%
HK$6,556
+HK$328/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$12,456/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$6,196
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$196/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,985
+HK$400/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,170/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$6,893
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$188/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,649
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,532/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$7,967
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,214
−HK$252/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,981
+HK$515/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,932/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$8,863
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,100
−HK$242/mo
Today · 4.125%
HK$9,342
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$492/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,684/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).