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$273/mo
▼ 0.25% · 3.875%
HK$4,487
−HK$138/mo
Today · 4.125%
HK$4,625
baseline
▲ 0.50% · 4.625%
HK$4,906
+HK$281/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$9,250/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$4,842
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,972
−HK$131/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$5,223
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,385
−HK$165/mo
Today · 4.125%
HK$5,550
baseline
▲ 0.50% · 4.625%
HK$5,888
+HK$338/mo
Deposit HK$763K · loan HK$1.15M · min. income ≈ HK$11,100/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,810
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,966
−HK$158/mo
Today · 4.125%
HK$6,124
baseline
▲ 0.50% · 4.625%
HK$6,447
+HK$323/mo
Deposit HK$763K · loan HK$1.15M · min. income ≈ HK$12,248/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,093
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,282
−HK$193/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,869
+HK$394/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$12,950/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$6,778
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,960
−HK$185/mo
Today · 4.125%
HK$7,145
baseline
▲ 0.50% · 4.625%
HK$7,521
+HK$376/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$14,290/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$7,834
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,077
−HK$248/mo
Today · 4.125%
HK$8,325
baseline
▲ 0.50% · 4.625%
HK$8,832
+HK$507/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,650/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$8,715
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,949
−HK$237/mo
Today · 4.125%
HK$9,186
baseline
▲ 0.50% · 4.625%
HK$9,670
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,372/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).