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$274/mo
▼ 0.25% · 3.875%
HK$4,513
−HK$138/mo
Today · 4.125%
HK$4,651
baseline
▲ 0.50% · 4.625%
HK$4,934
+HK$283/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$9,302/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$4,869
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,000
−HK$132/mo
Today · 4.125%
HK$5,132
baseline
▲ 0.50% · 4.625%
HK$5,403
+HK$271/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$10,264/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$5,252
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,415
−HK$166/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,921
+HK$340/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,162/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$5,843
−HK$315/mo
▼ 0.25% · 3.875%
HK$6,000
−HK$158/mo
Today · 4.125%
HK$6,158
baseline
▲ 0.50% · 4.625%
HK$6,483
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,316/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$6,127
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,318
−HK$194/mo
Today · 4.125%
HK$6,512
baseline
▲ 0.50% · 4.625%
HK$6,908
+HK$396/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$6,817
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,999
−HK$186/mo
Today · 4.125%
HK$7,185
baseline
▲ 0.50% · 4.625%
HK$7,564
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,370/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$7,878
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,123
−HK$249/mo
Today · 4.125%
HK$8,372
baseline
▲ 0.50% · 4.625%
HK$8,881
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,744/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$8,764
−HK$474/mo
▼ 0.25% · 3.875%
HK$8,999
−HK$239/mo
Today · 4.125%
HK$9,238
baseline
▲ 0.50% · 4.625%
HK$9,725
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,476/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).