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$4,326
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,461
−HK$137/mo
Today · 4.125%
HK$4,598
baseline
▲ 0.50% · 4.625%
HK$4,877
+HK$279/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$9,196/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,813
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,942
−HK$131/mo
Today · 4.125%
HK$5,073
baseline
▲ 0.50% · 4.625%
HK$5,341
+HK$268/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$10,146/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,192
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,353
−HK$164/mo
Today · 4.125%
HK$5,517
baseline
▲ 0.50% · 4.625%
HK$5,853
+HK$336/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$11,034/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,776
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,931
−HK$157/mo
Today · 4.125%
HK$6,088
baseline
▲ 0.50% · 4.625%
HK$6,409
+HK$321/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$12,176/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,057
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,245
−HK$192/mo
Today · 4.125%
HK$6,437
baseline
▲ 0.50% · 4.625%
HK$6,828
+HK$391/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$12,874/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,738
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,919
−HK$183/mo
Today · 4.125%
HK$7,102
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$375/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$14,204/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,788
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,030
−HK$246/mo
Today · 4.125%
HK$8,276
baseline
▲ 0.50% · 4.625%
HK$8,779
+HK$503/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,552/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,664
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$236/mo
Today · 4.125%
HK$9,132
baseline
▲ 0.50% · 4.625%
HK$9,613
+HK$481/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,264/mo (50% DSR)
Upfront cash ≈ HK$190K (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).