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$4,348
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,483
−HK$138/mo
Today · 4.125%
HK$4,621
baseline
▲ 0.50% · 4.625%
HK$4,902
+HK$281/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$9,242/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,837
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,967
−HK$132/mo
Today · 4.125%
HK$5,099
baseline
▲ 0.50% · 4.625%
HK$5,367
+HK$268/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$10,198/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,218
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,380
−HK$165/mo
Today · 4.125%
HK$5,545
baseline
▲ 0.50% · 4.625%
HK$5,882
+HK$337/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$11,090/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$5,805
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,961
−HK$157/mo
Today · 4.125%
HK$6,118
baseline
▲ 0.50% · 4.625%
HK$6,441
+HK$323/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$12,236/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$6,088
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,277
−HK$192/mo
Today · 4.125%
HK$6,469
baseline
▲ 0.50% · 4.625%
HK$6,863
+HK$394/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$12,938/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$6,772
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,954
−HK$184/mo
Today · 4.125%
HK$7,138
baseline
▲ 0.50% · 4.625%
HK$7,514
+HK$376/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$14,276/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$7,827
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,070
−HK$248/mo
Today · 4.125%
HK$8,318
baseline
▲ 0.50% · 4.625%
HK$8,824
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,636/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$8,707
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,941
−HK$237/mo
Today · 4.125%
HK$9,178
baseline
▲ 0.50% · 4.625%
HK$9,661
+HK$483/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,356/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).