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$4,345
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,480
−HK$137/mo
Today · 4.125%
HK$4,617
baseline
▲ 0.50% · 4.625%
HK$4,898
+HK$281/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$9,234/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,833
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,963
−HK$132/mo
Today · 4.125%
HK$5,095
baseline
▲ 0.50% · 4.625%
HK$5,363
+HK$268/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$10,190/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,214
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,376
−HK$165/mo
Today · 4.125%
HK$5,541
baseline
▲ 0.50% · 4.625%
HK$5,878
+HK$337/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,082/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,800
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,956
−HK$157/mo
Today · 4.125%
HK$6,113
baseline
▲ 0.50% · 4.625%
HK$6,436
+HK$323/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,226/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,083
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,272
−HK$192/mo
Today · 4.125%
HK$6,464
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$393/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$12,928/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,767
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$184/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$376/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$14,264/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,820
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,064
−HK$247/mo
Today · 4.125%
HK$8,311
baseline
▲ 0.50% · 4.625%
HK$8,817
+HK$506/mo
Deposit HK$191K · loan HK$1.71M · min. income ≈ HK$16,622/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$8,700
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,934
−HK$236/mo
Today · 4.125%
HK$9,170
baseline
▲ 0.50% · 4.625%
HK$9,654
+HK$484/mo
Deposit HK$191K · loan HK$1.71M · min. income ≈ HK$18,340/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).