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$4,431
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,569
−HK$140/mo
Today · 4.125%
HK$4,709
baseline
▲ 0.50% · 4.625%
HK$4,996
+HK$287/mo
Deposit HK$972K · loan HK$972K · min. income ≈ HK$9,418/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,930
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,062
−HK$134/mo
Today · 4.125%
HK$5,196
baseline
▲ 0.50% · 4.625%
HK$5,470
+HK$274/mo
Deposit HK$972K · loan HK$972K · min. income ≈ HK$10,392/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,317
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,483
−HK$168/mo
Today · 4.125%
HK$5,651
baseline
▲ 0.50% · 4.625%
HK$5,995
+HK$344/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$11,302/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$5,916
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,074
−HK$161/mo
Today · 4.125%
HK$6,235
baseline
▲ 0.50% · 4.625%
HK$6,564
+HK$329/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$12,470/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$6,204
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,397
−HK$196/mo
Today · 4.125%
HK$6,593
baseline
▲ 0.50% · 4.625%
HK$6,994
+HK$401/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,186/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$6,901
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$187/mo
Today · 4.125%
HK$7,274
baseline
▲ 0.50% · 4.625%
HK$7,658
+HK$384/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,548/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$7,976
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,224
−HK$252/mo
Today · 4.125%
HK$8,476
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$516/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,952/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$8,873
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$242/mo
Today · 4.125%
HK$9,353
baseline
▲ 0.50% · 4.625%
HK$9,846
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,706/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).