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$4,304
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,438
−HK$136/mo
Today · 4.125%
HK$4,574
baseline
▲ 0.50% · 4.625%
HK$4,853
+HK$279/mo
Deposit HK$944K · loan HK$944K · min. income ≈ HK$9,148/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,788
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,917
−HK$130/mo
Today · 4.125%
HK$5,047
baseline
▲ 0.50% · 4.625%
HK$5,313
+HK$266/mo
Deposit HK$944K · loan HK$944K · min. income ≈ HK$10,094/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,165
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,326
−HK$163/mo
Today · 4.125%
HK$5,489
baseline
▲ 0.50% · 4.625%
HK$5,823
+HK$334/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$10,978/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,746
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,900
−HK$157/mo
Today · 4.125%
HK$6,057
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$319/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$12,114/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,026
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,213
−HK$191/mo
Today · 4.125%
HK$6,404
baseline
▲ 0.50% · 4.625%
HK$6,794
+HK$390/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,808/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,704
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,884
−HK$182/mo
Today · 4.125%
HK$7,066
baseline
▲ 0.50% · 4.625%
HK$7,439
+HK$373/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,132/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,748
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,989
−HK$245/mo
Today · 4.125%
HK$8,234
baseline
▲ 0.50% · 4.625%
HK$8,735
+HK$501/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,468/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,619
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,850
−HK$235/mo
Today · 4.125%
HK$9,085
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,170/mo (50% DSR)
Upfront cash ≈ HK$189K (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).