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$270/mo
▼ 0.25% · 3.875%
HK$4,431
−HK$136/mo
Today · 4.125%
HK$4,567
baseline
▲ 0.50% · 4.625%
HK$4,845
+HK$278/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$9,134/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$4,781
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,909
−HK$130/mo
Today · 4.125%
HK$5,039
baseline
▲ 0.50% · 4.625%
HK$5,305
+HK$266/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$10,078/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$5,157
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,317
−HK$163/mo
Today · 4.125%
HK$5,480
baseline
▲ 0.50% · 4.625%
HK$5,814
+HK$334/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$5,737
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,891
−HK$156/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,366
+HK$319/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$12,094/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$378/mo
▼ 0.25% · 3.875%
HK$6,203
−HK$191/mo
Today · 4.125%
HK$6,394
baseline
▲ 0.50% · 4.625%
HK$6,783
+HK$389/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$12,788/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$6,693
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,873
−HK$182/mo
Today · 4.125%
HK$7,055
baseline
▲ 0.50% · 4.625%
HK$7,427
+HK$372/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$14,110/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$7,735
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,976
−HK$244/mo
Today · 4.125%
HK$8,220
baseline
▲ 0.50% · 4.625%
HK$8,721
+HK$501/mo
Deposit HK$188K · loan HK$1.70M · min. income ≈ HK$16,440/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$8,605
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,836
−HK$234/mo
Today · 4.125%
HK$9,070
baseline
▲ 0.50% · 4.625%
HK$9,548
+HK$478/mo
Deposit HK$188K · loan HK$1.70M · min. income ≈ HK$18,140/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).