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$4,427
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,564
−HK$140/mo
Today · 4.125%
HK$4,704
baseline
▲ 0.50% · 4.625%
HK$4,990
+HK$286/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$9,408/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$4,924
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,057
−HK$134/mo
Today · 4.125%
HK$5,191
baseline
▲ 0.50% · 4.625%
HK$5,464
+HK$273/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$10,382/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$5,312
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$168/mo
Today · 4.125%
HK$5,645
baseline
▲ 0.50% · 4.625%
HK$5,988
+HK$343/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$11,290/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$5,909
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$161/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,557
+HK$328/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$12,458/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$6,197
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$196/mo
Today · 4.125%
HK$6,586
baseline
▲ 0.50% · 4.625%
HK$6,987
+HK$401/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,172/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$6,894
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,079
−HK$188/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,650
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,534/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$7,968
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$251/mo
Today · 4.125%
HK$8,467
baseline
▲ 0.50% · 4.625%
HK$8,983
+HK$516/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,934/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$8,864
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$241/mo
Today · 4.125%
HK$9,343
baseline
▲ 0.50% · 4.625%
HK$9,835
+HK$492/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,686/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).