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$4,365
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,501
−HK$138/mo
Today · 4.125%
HK$4,639
baseline
▲ 0.50% · 4.625%
HK$4,921
+HK$282/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$9,278/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,856
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,986
−HK$132/mo
Today · 4.125%
HK$5,118
baseline
▲ 0.50% · 4.625%
HK$5,388
+HK$270/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$10,236/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,238
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,401
−HK$165/mo
Today · 4.125%
HK$5,566
baseline
▲ 0.50% · 4.625%
HK$5,905
+HK$339/mo
Deposit HK$766K · loan HK$1.15M · min. income ≈ HK$11,132/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,827
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,983
−HK$159/mo
Today · 4.125%
HK$6,142
baseline
▲ 0.50% · 4.625%
HK$6,466
+HK$324/mo
Deposit HK$766K · loan HK$1.15M · min. income ≈ HK$12,284/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,111
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,301
−HK$193/mo
Today · 4.125%
HK$6,494
baseline
▲ 0.50% · 4.625%
HK$6,889
+HK$395/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$12,988/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,798
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,981
−HK$185/mo
Today · 4.125%
HK$7,166
baseline
▲ 0.50% · 4.625%
HK$7,543
+HK$377/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$14,332/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,857
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$249/mo
Today · 4.125%
HK$8,350
baseline
▲ 0.50% · 4.625%
HK$8,858
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,700/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,741
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,975
−HK$238/mo
Today · 4.125%
HK$9,213
baseline
▲ 0.50% · 4.625%
HK$9,699
+HK$486/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,426/mo (50% DSR)
Upfront cash ≈ HK$192K (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).