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$4,425
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,563
−HK$140/mo
Today · 4.125%
HK$4,703
baseline
▲ 0.50% · 4.625%
HK$4,989
+HK$286/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$9,406/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$4,923
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,055
−HK$134/mo
Today · 4.125%
HK$5,189
baseline
▲ 0.50% · 4.625%
HK$5,462
+HK$273/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$10,378/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$5,310
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,475
−HK$168/mo
Today · 4.125%
HK$5,643
baseline
▲ 0.50% · 4.625%
HK$5,986
+HK$343/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$11,286/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$5,907
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,066
−HK$161/mo
Today · 4.125%
HK$6,227
baseline
▲ 0.50% · 4.625%
HK$6,555
+HK$328/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$12,454/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$6,195
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,388
−HK$196/mo
Today · 4.125%
HK$6,584
baseline
▲ 0.50% · 4.625%
HK$6,984
+HK$400/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,168/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$6,892
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,077
−HK$187/mo
Today · 4.125%
HK$7,264
baseline
▲ 0.50% · 4.625%
HK$7,647
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,528/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$7,965
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$252/mo
Today · 4.125%
HK$8,465
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$515/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,930/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$8,861
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$241/mo
Today · 4.125%
HK$9,340
baseline
▲ 0.50% · 4.625%
HK$9,832
+HK$492/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,680/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).