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$4,380
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,516
−HK$139/mo
Today · 4.125%
HK$4,655
baseline
▲ 0.50% · 4.625%
HK$4,938
+HK$283/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$9,310/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,873
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,003
−HK$133/mo
Today · 4.125%
HK$5,136
baseline
▲ 0.50% · 4.625%
HK$5,407
+HK$271/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$10,272/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,256
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,419
−HK$166/mo
Today · 4.125%
HK$5,585
baseline
▲ 0.50% · 4.625%
HK$5,925
+HK$340/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,170/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,847
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,004
−HK$159/mo
Today · 4.125%
HK$6,163
baseline
▲ 0.50% · 4.625%
HK$6,488
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,326/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,132
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,323
−HK$193/mo
Today · 4.125%
HK$6,516
baseline
▲ 0.50% · 4.625%
HK$6,913
+HK$397/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,032/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,822
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,005
−HK$185/mo
Today · 4.125%
HK$7,190
baseline
▲ 0.50% · 4.625%
HK$7,569
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,380/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,884
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,129
−HK$249/mo
Today · 4.125%
HK$8,378
baseline
▲ 0.50% · 4.625%
HK$8,888
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,756/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$8,771
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,006
−HK$239/mo
Today · 4.125%
HK$9,245
baseline
▲ 0.50% · 4.625%
HK$9,732
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,490/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).