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$4,377
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,513
−HK$139/mo
Today · 4.125%
HK$4,652
baseline
▲ 0.50% · 4.625%
HK$4,935
+HK$283/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$9,304/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$4,870
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,000
−HK$133/mo
Today · 4.125%
HK$5,133
baseline
▲ 0.50% · 4.625%
HK$5,403
+HK$270/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$10,266/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$5,253
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,416
−HK$166/mo
Today · 4.125%
HK$5,582
baseline
▲ 0.50% · 4.625%
HK$5,922
+HK$340/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,164/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$5,844
−HK$315/mo
▼ 0.25% · 3.875%
HK$6,000
−HK$159/mo
Today · 4.125%
HK$6,159
baseline
▲ 0.50% · 4.625%
HK$6,484
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,318/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$6,128
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,319
−HK$193/mo
Today · 4.125%
HK$6,512
baseline
▲ 0.50% · 4.625%
HK$6,909
+HK$397/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,024/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$6,818
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,000
−HK$186/mo
Today · 4.125%
HK$7,186
baseline
▲ 0.50% · 4.625%
HK$7,565
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,372/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$7,879
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,124
−HK$249/mo
Today · 4.125%
HK$8,373
baseline
▲ 0.50% · 4.625%
HK$8,883
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,746/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$8,765
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,001
−HK$238/mo
Today · 4.125%
HK$9,239
baseline
▲ 0.50% · 4.625%
HK$9,726
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,478/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).