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$4,421
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,559
−HK$139/mo
Today · 4.125%
HK$4,698
baseline
▲ 0.50% · 4.625%
HK$4,984
+HK$286/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$9,396/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$265/mo
▼ 0.25% · 3.875%
HK$5,050
−HK$134/mo
Today · 4.125%
HK$5,184
baseline
▲ 0.50% · 4.625%
HK$5,458
+HK$274/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$10,368/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$5,305
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$168/mo
Today · 4.125%
HK$5,638
baseline
▲ 0.50% · 4.625%
HK$5,981
+HK$343/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$11,276/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$5,902
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,061
−HK$160/mo
Today · 4.125%
HK$6,221
baseline
▲ 0.50% · 4.625%
HK$6,549
+HK$328/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$12,442/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$6,190
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,382
−HK$196/mo
Today · 4.125%
HK$6,578
baseline
▲ 0.50% · 4.625%
HK$6,978
+HK$400/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,156/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$6,886
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$187/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,641
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,516/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$7,958
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,206
−HK$251/mo
Today · 4.125%
HK$8,457
baseline
▲ 0.50% · 4.625%
HK$8,972
+HK$515/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,914/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$8,853
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,091
−HK$241/mo
Today · 4.125%
HK$9,332
baseline
▲ 0.50% · 4.625%
HK$9,824
+HK$492/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,664/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).