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$4,347
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,482
−HK$137/mo
Today · 4.125%
HK$4,619
baseline
▲ 0.50% · 4.625%
HK$4,900
+HK$281/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$9,238/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,836
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,965
−HK$132/mo
Today · 4.125%
HK$5,097
baseline
▲ 0.50% · 4.625%
HK$5,365
+HK$268/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$10,194/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,216
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,378
−HK$165/mo
Today · 4.125%
HK$5,543
baseline
▲ 0.50% · 4.625%
HK$5,880
+HK$337/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,086/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,803
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,958
−HK$158/mo
Today · 4.125%
HK$6,116
baseline
▲ 0.50% · 4.625%
HK$6,438
+HK$322/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,232/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,085
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,274
−HK$193/mo
Today · 4.125%
HK$6,467
baseline
▲ 0.50% · 4.625%
HK$6,860
+HK$393/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$12,934/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,770
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,951
−HK$184/mo
Today · 4.125%
HK$7,135
baseline
▲ 0.50% · 4.625%
HK$7,512
+HK$377/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$14,270/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,824
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,067
−HK$247/mo
Today · 4.125%
HK$8,314
baseline
▲ 0.50% · 4.625%
HK$8,820
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,628/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$8,704
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,937
−HK$237/mo
Today · 4.125%
HK$9,174
baseline
▲ 0.50% · 4.625%
HK$9,658
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,348/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).