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$4,430
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,568
−HK$140/mo
Today · 4.125%
HK$4,708
baseline
▲ 0.50% · 4.625%
HK$4,994
+HK$286/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$9,416/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$4,928
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,061
−HK$134/mo
Today · 4.125%
HK$5,195
baseline
▲ 0.50% · 4.625%
HK$5,468
+HK$273/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$10,390/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$5,316
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,481
−HK$168/mo
Today · 4.125%
HK$5,649
baseline
▲ 0.50% · 4.625%
HK$5,993
+HK$344/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$11,298/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,914
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,073
−HK$161/mo
Today · 4.125%
HK$6,234
baseline
▲ 0.50% · 4.625%
HK$6,562
+HK$328/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$12,468/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,202
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,395
−HK$196/mo
Today · 4.125%
HK$6,591
baseline
▲ 0.50% · 4.625%
HK$6,992
+HK$401/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,182/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,900
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,085
−HK$188/mo
Today · 4.125%
HK$7,273
baseline
▲ 0.50% · 4.625%
HK$7,656
+HK$383/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,546/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,974
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$252/mo
Today · 4.125%
HK$8,474
baseline
▲ 0.50% · 4.625%
HK$8,990
+HK$516/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,948/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$8,871
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,109
−HK$241/mo
Today · 4.125%
HK$9,350
baseline
▲ 0.50% · 4.625%
HK$9,843
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,700/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).