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$4,332
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,466
−HK$137/mo
Today · 4.125%
HK$4,603
baseline
▲ 0.50% · 4.625%
HK$4,883
+HK$280/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$9,206/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,819
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,948
−HK$131/mo
Today · 4.125%
HK$5,079
baseline
▲ 0.50% · 4.625%
HK$5,347
+HK$268/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$10,158/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,198
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,359
−HK$165/mo
Today · 4.125%
HK$5,524
baseline
▲ 0.50% · 4.625%
HK$5,860
+HK$336/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$11,048/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,783
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,938
−HK$157/mo
Today · 4.125%
HK$6,095
baseline
▲ 0.50% · 4.625%
HK$6,416
+HK$321/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$12,190/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,064
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,253
−HK$191/mo
Today · 4.125%
HK$6,444
baseline
▲ 0.50% · 4.625%
HK$6,837
+HK$393/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,888/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,746
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,927
−HK$184/mo
Today · 4.125%
HK$7,111
baseline
▲ 0.50% · 4.625%
HK$7,486
+HK$375/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,222/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,797
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,039
−HK$247/mo
Today · 4.125%
HK$8,286
baseline
▲ 0.50% · 4.625%
HK$8,790
+HK$504/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,572/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$8,674
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$236/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,624
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,284/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).