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$4,343
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,478
−HK$137/mo
Today · 4.125%
HK$4,615
baseline
▲ 0.50% · 4.625%
HK$4,896
+HK$281/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$9,230/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,832
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,961
−HK$132/mo
Today · 4.125%
HK$5,093
baseline
▲ 0.50% · 4.625%
HK$5,361
+HK$268/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$10,186/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,212
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,374
−HK$164/mo
Today · 4.125%
HK$5,538
baseline
▲ 0.50% · 4.625%
HK$5,875
+HK$337/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,076/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,798
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,953
−HK$158/mo
Today · 4.125%
HK$6,111
baseline
▲ 0.50% · 4.625%
HK$6,433
+HK$322/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,222/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,080
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,269
−HK$193/mo
Today · 4.125%
HK$6,462
baseline
▲ 0.50% · 4.625%
HK$6,855
+HK$393/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,924/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,764
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,946
−HK$184/mo
Today · 4.125%
HK$7,130
baseline
▲ 0.50% · 4.625%
HK$7,505
+HK$375/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,260/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,817
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,061
−HK$247/mo
Today · 4.125%
HK$8,308
baseline
▲ 0.50% · 4.625%
HK$8,813
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,616/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,697
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,930
−HK$237/mo
Today · 4.125%
HK$9,167
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$483/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,334/mo (50% DSR)
Upfront cash ≈ HK$191K (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).