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$4,383
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,519
−HK$139/mo
Today · 4.125%
HK$4,658
baseline
▲ 0.50% · 4.625%
HK$4,941
+HK$283/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$9,316/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,876
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$132/mo
Today · 4.125%
HK$5,139
baseline
▲ 0.50% · 4.625%
HK$5,410
+HK$271/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$10,278/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,260
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,423
−HK$166/mo
Today · 4.125%
HK$5,589
baseline
▲ 0.50% · 4.625%
HK$5,929
+HK$340/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$11,178/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,851
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,008
−HK$159/mo
Today · 4.125%
HK$6,167
baseline
▲ 0.50% · 4.625%
HK$6,492
+HK$325/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$12,334/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,136
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,327
−HK$194/mo
Today · 4.125%
HK$6,521
baseline
▲ 0.50% · 4.625%
HK$6,918
+HK$397/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$13,042/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,826
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,009
−HK$186/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,574
+HK$379/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$14,390/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,889
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$249/mo
Today · 4.125%
HK$8,384
baseline
▲ 0.50% · 4.625%
HK$8,894
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,768/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$8,777
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$239/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,739
+HK$488/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,502/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).