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$4,385
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,521
−HK$139/mo
Today · 4.125%
HK$4,660
baseline
▲ 0.50% · 4.625%
HK$4,943
+HK$283/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$9,320/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,878
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,009
−HK$132/mo
Today · 4.125%
HK$5,141
baseline
▲ 0.50% · 4.625%
HK$5,412
+HK$271/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$10,282/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,262
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,425
−HK$167/mo
Today · 4.125%
HK$5,592
baseline
▲ 0.50% · 4.625%
HK$5,932
+HK$340/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$11,184/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,853
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,010
−HK$160/mo
Today · 4.125%
HK$6,170
baseline
▲ 0.50% · 4.625%
HK$6,495
+HK$325/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$12,340/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,139
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,329
−HK$194/mo
Today · 4.125%
HK$6,523
baseline
▲ 0.50% · 4.625%
HK$6,920
+HK$397/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$13,046/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,829
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,012
−HK$186/mo
Today · 4.125%
HK$7,198
baseline
▲ 0.50% · 4.625%
HK$7,577
+HK$379/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$14,396/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,892
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,138
−HK$249/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,898
+HK$511/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,774/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$8,780
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,016
−HK$239/mo
Today · 4.125%
HK$9,255
baseline
▲ 0.50% · 4.625%
HK$9,742
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,510/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).