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$4,344
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,479
−HK$138/mo
Today · 4.125%
HK$4,617
baseline
▲ 0.50% · 4.625%
HK$4,898
+HK$281/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$9,234/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,833
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,963
−HK$131/mo
Today · 4.125%
HK$5,094
baseline
▲ 0.50% · 4.625%
HK$5,363
+HK$269/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$10,188/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,213
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,375
−HK$165/mo
Today · 4.125%
HK$5,540
baseline
▲ 0.50% · 4.625%
HK$5,877
+HK$337/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,080/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,800
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,955
−HK$158/mo
Today · 4.125%
HK$6,113
baseline
▲ 0.50% · 4.625%
HK$6,435
+HK$322/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,226/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,082
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,271
−HK$192/mo
Today · 4.125%
HK$6,463
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$394/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$12,926/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,766
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$184/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$376/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$14,264/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,820
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,063
−HK$247/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,816
+HK$506/mo
Deposit HK$191K · loan HK$1.71M · min. income ≈ HK$16,620/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,699
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,933
−HK$236/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,653
+HK$484/mo
Deposit HK$191K · loan HK$1.71M · min. income ≈ HK$18,338/mo (50% DSR)
Upfront cash ≈ HK$191K (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).