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$4,352
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,487
−HK$137/mo
Today · 4.125%
HK$4,624
baseline
▲ 0.50% · 4.625%
HK$4,906
+HK$282/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$9,248/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,841
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,971
−HK$132/mo
Today · 4.125%
HK$5,103
baseline
▲ 0.50% · 4.625%
HK$5,372
+HK$269/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$10,206/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,222
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,384
−HK$165/mo
Today · 4.125%
HK$5,549
baseline
▲ 0.50% · 4.625%
HK$5,887
+HK$338/mo
Deposit HK$763K · loan HK$1.15M · min. income ≈ HK$11,098/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,809
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,965
−HK$158/mo
Today · 4.125%
HK$6,123
baseline
▲ 0.50% · 4.625%
HK$6,446
+HK$323/mo
Deposit HK$763K · loan HK$1.15M · min. income ≈ HK$12,246/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,092
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,282
−HK$192/mo
Today · 4.125%
HK$6,474
baseline
▲ 0.50% · 4.625%
HK$6,868
+HK$394/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$12,948/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,777
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,959
−HK$185/mo
Today · 4.125%
HK$7,144
baseline
▲ 0.50% · 4.625%
HK$7,520
+HK$376/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$14,288/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,833
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,076
−HK$248/mo
Today · 4.125%
HK$8,324
baseline
▲ 0.50% · 4.625%
HK$8,830
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,648/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,714
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,948
−HK$237/mo
Today · 4.125%
HK$9,185
baseline
▲ 0.50% · 4.625%
HK$9,669
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,370/mo (50% DSR)
Upfront cash ≈ HK$191K (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).