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$4,379
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,515
−HK$138/mo
Today · 4.125%
HK$4,653
baseline
▲ 0.50% · 4.625%
HK$4,936
+HK$283/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$9,306/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,871
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,002
−HK$132/mo
Today · 4.125%
HK$5,134
baseline
▲ 0.50% · 4.625%
HK$5,405
+HK$271/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$10,268/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,254
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,418
−HK$166/mo
Today · 4.125%
HK$5,584
baseline
▲ 0.50% · 4.625%
HK$5,924
+HK$340/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,168/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,845
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,002
−HK$159/mo
Today · 4.125%
HK$6,161
baseline
▲ 0.50% · 4.625%
HK$6,486
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,322/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,130
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,321
−HK$194/mo
Today · 4.125%
HK$6,515
baseline
▲ 0.50% · 4.625%
HK$6,911
+HK$396/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,030/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,820
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$185/mo
Today · 4.125%
HK$7,188
baseline
▲ 0.50% · 4.625%
HK$7,567
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,376/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,882
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,127
−HK$249/mo
Today · 4.125%
HK$8,376
baseline
▲ 0.50% · 4.625%
HK$8,885
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,752/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,768
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$239/mo
Today · 4.125%
HK$9,242
baseline
▲ 0.50% · 4.625%
HK$9,729
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,484/mo (50% DSR)
Upfront cash ≈ HK$192K (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).