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$4,434
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,572
−HK$140/mo
Today · 4.125%
HK$4,712
baseline
▲ 0.50% · 4.625%
HK$4,999
+HK$287/mo
Deposit HK$972K · loan HK$972K · min. income ≈ HK$9,424/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$4,933
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,065
−HK$134/mo
Today · 4.125%
HK$5,199
baseline
▲ 0.50% · 4.625%
HK$5,473
+HK$274/mo
Deposit HK$972K · loan HK$972K · min. income ≈ HK$10,398/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$5,321
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,486
−HK$168/mo
Today · 4.125%
HK$5,654
baseline
▲ 0.50% · 4.625%
HK$5,998
+HK$344/mo
Deposit HK$778K · loan HK$1.17M · min. income ≈ HK$11,308/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$5,919
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,078
−HK$161/mo
Today · 4.125%
HK$6,239
baseline
▲ 0.50% · 4.625%
HK$6,568
+HK$329/mo
Deposit HK$778K · loan HK$1.17M · min. income ≈ HK$12,478/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$6,208
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,401
−HK$196/mo
Today · 4.125%
HK$6,597
baseline
▲ 0.50% · 4.625%
HK$6,998
+HK$401/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,194/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$6,906
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,091
−HK$188/mo
Today · 4.125%
HK$7,279
baseline
▲ 0.50% · 4.625%
HK$7,663
+HK$384/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,558/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$7,981
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$253/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$516/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,964/mo (50% DSR)
Upfront cash ≈ HK$195K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,879
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,117
−HK$242/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,852
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,718/mo (50% DSR)
Upfront cash ≈ HK$195K (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).