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$278/mo
▼ 0.25% · 3.875%
HK$4,559
−HK$140/mo
Today · 4.125%
HK$4,699
baseline
▲ 0.50% · 4.625%
HK$4,985
+HK$286/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$9,398/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$266/mo
▼ 0.25% · 3.875%
HK$5,051
−HK$134/mo
Today · 4.125%
HK$5,185
baseline
▲ 0.50% · 4.625%
HK$5,458
+HK$273/mo
Deposit HK$970K · loan HK$970K · min. income ≈ HK$10,370/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$5,306
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,471
−HK$167/mo
Today · 4.125%
HK$5,638
baseline
▲ 0.50% · 4.625%
HK$5,982
+HK$344/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$5,903
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,061
−HK$161/mo
Today · 4.125%
HK$6,222
baseline
▲ 0.50% · 4.625%
HK$6,549
+HK$327/mo
Deposit HK$776K · loan HK$1.16M · min. income ≈ HK$12,444/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$6,383
−HK$195/mo
Today · 4.125%
HK$6,578
baseline
▲ 0.50% · 4.625%
HK$6,979
+HK$401/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$7,959
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,206
−HK$252/mo
Today · 4.125%
HK$8,458
baseline
▲ 0.50% · 4.625%
HK$8,972
+HK$514/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,916/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$8,854
−HK$478/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).