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$4,430
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,568
−HK$140/mo
Today · 4.125%
HK$4,708
baseline
▲ 0.50% · 4.625%
HK$4,995
+HK$287/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$9,416/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$4,929
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,061
−HK$134/mo
Today · 4.125%
HK$5,195
baseline
▲ 0.50% · 4.625%
HK$5,469
+HK$274/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$10,390/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$5,316
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,482
−HK$168/mo
Today · 4.125%
HK$5,650
baseline
▲ 0.50% · 4.625%
HK$5,994
+HK$344/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$11,300/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$5,914
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,073
−HK$161/mo
Today · 4.125%
HK$6,234
baseline
▲ 0.50% · 4.625%
HK$6,563
+HK$329/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$12,468/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$6,202
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,395
−HK$196/mo
Today · 4.125%
HK$6,591
baseline
▲ 0.50% · 4.625%
HK$6,993
+HK$402/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,182/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$6,900
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,085
−HK$188/mo
Today · 4.125%
HK$7,273
baseline
▲ 0.50% · 4.625%
HK$7,656
+HK$383/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,546/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$7,975
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$252/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,990
+HK$515/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,950/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$8,872
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,110
−HK$241/mo
Today · 4.125%
HK$9,351
baseline
▲ 0.50% · 4.625%
HK$9,844
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,702/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).