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$4,407
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,544
−HK$140/mo
Today · 4.125%
HK$4,684
baseline
▲ 0.50% · 4.625%
HK$4,969
+HK$285/mo
Deposit HK$966K · loan HK$966K · min. income ≈ HK$9,368/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,903
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,035
−HK$133/mo
Today · 4.125%
HK$5,168
baseline
▲ 0.50% · 4.625%
HK$5,440
+HK$272/mo
Deposit HK$966K · loan HK$966K · min. income ≈ HK$10,336/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,289
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,453
−HK$167/mo
Today · 4.125%
HK$5,620
baseline
▲ 0.50% · 4.625%
HK$5,962
+HK$342/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$11,240/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,884
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,042
−HK$160/mo
Today · 4.125%
HK$6,202
baseline
▲ 0.50% · 4.625%
HK$6,529
+HK$327/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$12,404/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,170
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,362
−HK$195/mo
Today · 4.125%
HK$6,557
baseline
▲ 0.50% · 4.625%
HK$6,956
+HK$399/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$13,114/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,864
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,048
−HK$187/mo
Today · 4.125%
HK$7,235
baseline
▲ 0.50% · 4.625%
HK$7,617
+HK$382/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$14,470/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,933
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,180
−HK$251/mo
Today · 4.125%
HK$8,431
baseline
▲ 0.50% · 4.625%
HK$8,944
+HK$513/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,862/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,826
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,062
−HK$240/mo
Today · 4.125%
HK$9,302
baseline
▲ 0.50% · 4.625%
HK$9,793
+HK$491/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,604/mo (50% DSR)
Upfront cash ≈ HK$193K (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).