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$4,433
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,571
−HK$140/mo
Today · 4.125%
HK$4,711
baseline
▲ 0.50% · 4.625%
HK$4,997
+HK$286/mo
Deposit HK$972K · loan HK$972K · min. income ≈ HK$9,422/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$4,931
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,064
−HK$134/mo
Today · 4.125%
HK$5,198
baseline
▲ 0.50% · 4.625%
HK$5,472
+HK$274/mo
Deposit HK$972K · loan HK$972K · min. income ≈ HK$10,396/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$5,319
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,485
−HK$168/mo
Today · 4.125%
HK$5,653
baseline
▲ 0.50% · 4.625%
HK$5,997
+HK$344/mo
Deposit HK$778K · loan HK$1.17M · min. income ≈ HK$11,306/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,918
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,076
−HK$161/mo
Today · 4.125%
HK$6,237
baseline
▲ 0.50% · 4.625%
HK$6,566
+HK$329/mo
Deposit HK$778K · loan HK$1.17M · min. income ≈ HK$12,474/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,206
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,399
−HK$196/mo
Today · 4.125%
HK$6,595
baseline
▲ 0.50% · 4.625%
HK$6,996
+HK$401/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,190/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$6,904
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,089
−HK$188/mo
Today · 4.125%
HK$7,277
baseline
▲ 0.50% · 4.625%
HK$7,660
+HK$383/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,554/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$7,979
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$252/mo
Today · 4.125%
HK$8,479
baseline
▲ 0.50% · 4.625%
HK$8,995
+HK$516/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,958/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$8,876
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,115
−HK$241/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,849
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,712/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).