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$4,419
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,556
−HK$140/mo
Today · 4.125%
HK$4,696
baseline
▲ 0.50% · 4.625%
HK$4,982
+HK$286/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$9,392/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,916
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,048
−HK$134/mo
Today · 4.125%
HK$5,182
baseline
▲ 0.50% · 4.625%
HK$5,455
+HK$273/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$10,364/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,303
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,468
−HK$167/mo
Today · 4.125%
HK$5,635
baseline
▲ 0.50% · 4.625%
HK$5,978
+HK$343/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$11,270/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,899
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$161/mo
Today · 4.125%
HK$6,218
baseline
▲ 0.50% · 4.625%
HK$6,546
+HK$328/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$12,436/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,186
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,379
−HK$195/mo
Today · 4.125%
HK$6,574
baseline
▲ 0.50% · 4.625%
HK$6,974
+HK$400/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$13,148/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,882
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$187/mo
Today · 4.125%
HK$7,254
baseline
▲ 0.50% · 4.625%
HK$7,637
+HK$383/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$14,508/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,954
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,201
−HK$252/mo
Today · 4.125%
HK$8,453
baseline
▲ 0.50% · 4.625%
HK$8,967
+HK$514/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,906/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$8,849
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$241/mo
Today · 4.125%
HK$9,327
baseline
▲ 0.50% · 4.625%
HK$9,818
+HK$491/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,654/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).