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$4,322
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,456
−HK$137/mo
Today · 4.125%
HK$4,593
baseline
▲ 0.50% · 4.625%
HK$4,872
+HK$279/mo
Deposit HK$948K · loan HK$948K · min. income ≈ HK$9,186/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,808
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,937
−HK$131/mo
Today · 4.125%
HK$5,068
baseline
▲ 0.50% · 4.625%
HK$5,335
+HK$267/mo
Deposit HK$948K · loan HK$948K · min. income ≈ HK$10,136/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,186
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,347
−HK$164/mo
Today · 4.125%
HK$5,511
baseline
▲ 0.50% · 4.625%
HK$5,847
+HK$336/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$11,022/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,769
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,924
−HK$157/mo
Today · 4.125%
HK$6,081
baseline
▲ 0.50% · 4.625%
HK$6,402
+HK$321/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$12,162/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,050
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$191/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,821
+HK$391/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$12,860/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,731
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$183/mo
Today · 4.125%
HK$7,095
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$374/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$14,190/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,779
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,021
−HK$246/mo
Today · 4.125%
HK$8,267
baseline
▲ 0.50% · 4.625%
HK$8,770
+HK$503/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,534/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,654
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,886
−HK$236/mo
Today · 4.125%
HK$9,122
baseline
▲ 0.50% · 4.625%
HK$9,603
+HK$481/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,244/mo (50% DSR)
Upfront cash ≈ HK$190K (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).