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$4,422
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,560
−HK$139/mo
Today · 4.125%
HK$4,699
baseline
▲ 0.50% · 4.625%
HK$4,985
+HK$286/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$9,398/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,919
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,051
−HK$134/mo
Today · 4.125%
HK$5,185
baseline
▲ 0.50% · 4.625%
HK$5,459
+HK$274/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$10,370/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,306
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,472
−HK$167/mo
Today · 4.125%
HK$5,639
baseline
▲ 0.50% · 4.625%
HK$5,982
+HK$343/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$11,278/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$5,903
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,062
−HK$160/mo
Today · 4.125%
HK$6,222
baseline
▲ 0.50% · 4.625%
HK$6,550
+HK$328/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$12,444/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$6,191
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,383
−HK$196/mo
Today · 4.125%
HK$6,579
baseline
▲ 0.50% · 4.625%
HK$6,979
+HK$400/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,158/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$6,887
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,072
−HK$187/mo
Today · 4.125%
HK$7,259
baseline
▲ 0.50% · 4.625%
HK$7,642
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,518/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$7,960
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$252/mo
Today · 4.125%
HK$8,459
baseline
▲ 0.50% · 4.625%
HK$8,974
+HK$515/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,918/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$8,855
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$240/mo
Today · 4.125%
HK$9,333
baseline
▲ 0.50% · 4.625%
HK$9,825
+HK$492/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,666/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).