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$4,328
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,462
−HK$137/mo
Today · 4.125%
HK$4,599
baseline
▲ 0.50% · 4.625%
HK$4,879
+HK$280/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$9,198/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$4,815
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,944
−HK$131/mo
Today · 4.125%
HK$5,075
baseline
▲ 0.50% · 4.625%
HK$5,342
+HK$267/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$10,150/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$5,193
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,355
−HK$164/mo
Today · 4.125%
HK$5,519
baseline
▲ 0.50% · 4.625%
HK$5,855
+HK$336/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$11,038/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$5,778
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,933
−HK$157/mo
Today · 4.125%
HK$6,090
baseline
▲ 0.50% · 4.625%
HK$6,411
+HK$321/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$12,180/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$6,059
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,247
−HK$192/mo
Today · 4.125%
HK$6,439
baseline
▲ 0.50% · 4.625%
HK$6,831
+HK$392/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$12,878/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$6,741
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,921
−HK$184/mo
Today · 4.125%
HK$7,105
baseline
▲ 0.50% · 4.625%
HK$7,479
+HK$374/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$14,210/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$7,790
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,032
−HK$247/mo
Today · 4.125%
HK$8,279
baseline
▲ 0.50% · 4.625%
HK$8,782
+HK$503/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,558/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$8,666
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$236/mo
Today · 4.125%
HK$9,135
baseline
▲ 0.50% · 4.625%
HK$9,616
+HK$481/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,270/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).