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$4,428
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,566
−HK$140/mo
Today · 4.125%
HK$4,706
baseline
▲ 0.50% · 4.625%
HK$4,992
+HK$286/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$9,412/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$4,926
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,058
−HK$134/mo
Today · 4.125%
HK$5,192
baseline
▲ 0.50% · 4.625%
HK$5,466
+HK$274/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$10,384/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$5,314
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,479
−HK$168/mo
Today · 4.125%
HK$5,647
baseline
▲ 0.50% · 4.625%
HK$5,990
+HK$343/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$11,294/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$5,911
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,070
−HK$161/mo
Today · 4.125%
HK$6,231
baseline
▲ 0.50% · 4.625%
HK$6,559
+HK$328/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$12,462/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$6,199
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,392
−HK$196/mo
Today · 4.125%
HK$6,588
baseline
▲ 0.50% · 4.625%
HK$6,989
+HK$401/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,176/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$6,896
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,081
−HK$188/mo
Today · 4.125%
HK$7,269
baseline
▲ 0.50% · 4.625%
HK$7,652
+HK$383/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,538/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$7,970
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,218
−HK$252/mo
Today · 4.125%
HK$8,470
baseline
▲ 0.50% · 4.625%
HK$8,985
+HK$515/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,940/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$8,867
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$241/mo
Today · 4.125%
HK$9,346
baseline
▲ 0.50% · 4.625%
HK$9,839
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,692/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).