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$4,429
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,566
−HK$140/mo
Today · 4.125%
HK$4,706
baseline
▲ 0.50% · 4.625%
HK$4,993
+HK$287/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$9,412/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,927
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,059
−HK$134/mo
Today · 4.125%
HK$5,193
baseline
▲ 0.50% · 4.625%
HK$5,467
+HK$274/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$10,386/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,314
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,480
−HK$168/mo
Today · 4.125%
HK$5,648
baseline
▲ 0.50% · 4.625%
HK$5,991
+HK$343/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$11,296/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$5,912
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,071
−HK$161/mo
Today · 4.125%
HK$6,232
baseline
▲ 0.50% · 4.625%
HK$6,560
+HK$328/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$12,464/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$6,200
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,393
−HK$196/mo
Today · 4.125%
HK$6,589
baseline
▲ 0.50% · 4.625%
HK$6,990
+HK$401/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,178/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$6,897
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,082
−HK$188/mo
Today · 4.125%
HK$7,270
baseline
▲ 0.50% · 4.625%
HK$7,653
+HK$383/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,540/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$7,971
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$252/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$516/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,942/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$8,868
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$241/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,694/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).