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$4,297
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,431
−HK$135/mo
Today · 4.125%
HK$4,566
baseline
▲ 0.50% · 4.625%
HK$4,844
+HK$278/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$9,132/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,780
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,908
−HK$130/mo
Today · 4.125%
HK$5,038
baseline
▲ 0.50% · 4.625%
HK$5,304
+HK$266/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$10,076/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,156
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,317
−HK$163/mo
Today · 4.125%
HK$5,480
baseline
▲ 0.50% · 4.625%
HK$5,813
+HK$333/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$10,960/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,736
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,890
−HK$156/mo
Today · 4.125%
HK$6,046
baseline
▲ 0.50% · 4.625%
HK$6,365
+HK$319/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$12,092/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,016
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,203
−HK$190/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,782
+HK$389/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$12,786/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,692
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,872
−HK$182/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,426
+HK$372/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$14,108/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,734
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$244/mo
Today · 4.125%
HK$8,219
baseline
▲ 0.50% · 4.625%
HK$8,719
+HK$500/mo
Deposit HK$188K · loan HK$1.70M · min. income ≈ HK$16,438/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,604
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$234/mo
Today · 4.125%
HK$9,069
baseline
▲ 0.50% · 4.625%
HK$9,547
+HK$478/mo
Deposit HK$188K · loan HK$1.70M · min. income ≈ HK$18,138/mo (50% DSR)
Upfront cash ≈ HK$189K (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).