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$4,303
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,437
−HK$136/mo
Today · 4.125%
HK$4,573
baseline
▲ 0.50% · 4.625%
HK$4,851
+HK$278/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$9,146/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$4,787
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,915
−HK$130/mo
Today · 4.125%
HK$5,045
baseline
▲ 0.50% · 4.625%
HK$5,311
+HK$266/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$10,090/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$5,163
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,324
−HK$163/mo
Today · 4.125%
HK$5,487
baseline
▲ 0.50% · 4.625%
HK$5,821
+HK$334/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$10,974/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$5,744
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,898
−HK$156/mo
Today · 4.125%
HK$6,054
baseline
▲ 0.50% · 4.625%
HK$6,374
+HK$320/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$12,108/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$6,024
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,211
−HK$191/mo
Today · 4.125%
HK$6,402
baseline
▲ 0.50% · 4.625%
HK$6,791
+HK$389/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,804/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$6,701
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,881
−HK$182/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,436
+HK$373/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,126/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$7,745
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,986
−HK$245/mo
Today · 4.125%
HK$8,231
baseline
▲ 0.50% · 4.625%
HK$8,731
+HK$500/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,462/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$8,616
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,847
−HK$235/mo
Today · 4.125%
HK$9,082
baseline
▲ 0.50% · 4.625%
HK$9,560
+HK$478/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,164/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).