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$4,305
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,439
−HK$136/mo
Today · 4.125%
HK$4,575
baseline
▲ 0.50% · 4.625%
HK$4,853
+HK$278/mo
Deposit HK$944K · loan HK$944K · min. income ≈ HK$9,150/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$4,789
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,918
−HK$130/mo
Today · 4.125%
HK$5,048
baseline
▲ 0.50% · 4.625%
HK$5,314
+HK$266/mo
Deposit HK$944K · loan HK$944K · min. income ≈ HK$10,096/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$5,166
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,327
−HK$163/mo
Today · 4.125%
HK$5,490
baseline
▲ 0.50% · 4.625%
HK$5,824
+HK$334/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$10,980/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$5,747
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,901
−HK$156/mo
Today · 4.125%
HK$6,057
baseline
▲ 0.50% · 4.625%
HK$6,377
+HK$320/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$6,027
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,214
−HK$191/mo
Today · 4.125%
HK$6,405
baseline
▲ 0.50% · 4.625%
HK$6,794
+HK$389/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,810/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$6,705
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,885
−HK$182/mo
Today · 4.125%
HK$7,067
baseline
▲ 0.50% · 4.625%
HK$7,439
+HK$372/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,134/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$7,749
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,990
−HK$245/mo
Today · 4.125%
HK$8,235
baseline
▲ 0.50% · 4.625%
HK$8,736
+HK$501/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,470/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$8,620
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,852
−HK$234/mo
Today · 4.125%
HK$9,086
baseline
▲ 0.50% · 4.625%
HK$9,565
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,172/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).