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$4,432
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,570
−HK$140/mo
Today · 4.125%
HK$4,710
baseline
▲ 0.50% · 4.625%
HK$4,996
+HK$286/mo
Deposit HK$972K · loan HK$972K · min. income ≈ HK$9,420/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$4,930
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,063
−HK$134/mo
Today · 4.125%
HK$5,197
baseline
▲ 0.50% · 4.625%
HK$5,471
+HK$274/mo
Deposit HK$972K · loan HK$972K · min. income ≈ HK$10,394/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$5,318
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,484
−HK$168/mo
Today · 4.125%
HK$5,652
baseline
▲ 0.50% · 4.625%
HK$5,996
+HK$344/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$11,304/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$5,916
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,075
−HK$161/mo
Today · 4.125%
HK$6,236
baseline
▲ 0.50% · 4.625%
HK$6,565
+HK$329/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$12,472/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$6,205
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,398
−HK$196/mo
Today · 4.125%
HK$6,594
baseline
▲ 0.50% · 4.625%
HK$6,995
+HK$401/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,188/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$6,903
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,088
−HK$187/mo
Today · 4.125%
HK$7,275
baseline
▲ 0.50% · 4.625%
HK$7,659
+HK$384/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,550/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$7,977
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,225
−HK$253/mo
Today · 4.125%
HK$8,478
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$515/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,956/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$8,875
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,113
−HK$241/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,847
+HK$493/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,708/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).