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$4,309
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,443
−HK$136/mo
Today · 4.125%
HK$4,579
baseline
▲ 0.50% · 4.625%
HK$4,857
+HK$278/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$9,158/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,793
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,922
−HK$130/mo
Today · 4.125%
HK$5,052
baseline
▲ 0.50% · 4.625%
HK$5,319
+HK$267/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$10,104/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,170
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,331
−HK$164/mo
Today · 4.125%
HK$5,495
baseline
▲ 0.50% · 4.625%
HK$5,829
+HK$334/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$10,990/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,752
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,906
−HK$157/mo
Today · 4.125%
HK$6,063
baseline
▲ 0.50% · 4.625%
HK$6,382
+HK$319/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$12,126/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,032
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,220
−HK$190/mo
Today · 4.125%
HK$6,410
baseline
▲ 0.50% · 4.625%
HK$6,800
+HK$390/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,820/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,711
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,891
−HK$182/mo
Today · 4.125%
HK$7,073
baseline
▲ 0.50% · 4.625%
HK$7,446
+HK$373/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,146/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,756
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,997
−HK$245/mo
Today · 4.125%
HK$8,242
baseline
▲ 0.50% · 4.625%
HK$8,743
+HK$501/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,484/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$8,628
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$235/mo
Today · 4.125%
HK$9,094
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,188/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).