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$4,427
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,564
−HK$140/mo
Today · 4.125%
HK$4,704
baseline
▲ 0.50% · 4.625%
HK$4,991
+HK$287/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$9,408/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$4,925
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,057
−HK$134/mo
Today · 4.125%
HK$5,191
baseline
▲ 0.50% · 4.625%
HK$5,464
+HK$273/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$10,382/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$5,312
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$168/mo
Today · 4.125%
HK$5,645
baseline
▲ 0.50% · 4.625%
HK$5,989
+HK$344/mo
Deposit HK$777K · loan HK$1.16M · min. income ≈ HK$11,290/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$5,910
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$161/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,557
+HK$328/mo
Deposit HK$777K · loan HK$1.16M · min. income ≈ HK$12,458/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$6,197
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$196/mo
Today · 4.125%
HK$6,586
baseline
▲ 0.50% · 4.625%
HK$6,987
+HK$401/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,172/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$6,895
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,080
−HK$187/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,650
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,534/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$7,968
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$252/mo
Today · 4.125%
HK$8,468
baseline
▲ 0.50% · 4.625%
HK$8,983
+HK$515/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,936/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$8,865
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$241/mo
Today · 4.125%
HK$9,343
baseline
▲ 0.50% · 4.625%
HK$9,836
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,686/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).