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$4,411
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,548
−HK$139/mo
Today · 4.125%
HK$4,687
baseline
▲ 0.50% · 4.625%
HK$4,973
+HK$286/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$9,374/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,907
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,039
−HK$133/mo
Today · 4.125%
HK$5,172
baseline
▲ 0.50% · 4.625%
HK$5,445
+HK$273/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$10,344/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,293
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,458
−HK$167/mo
Today · 4.125%
HK$5,625
baseline
▲ 0.50% · 4.625%
HK$5,967
+HK$342/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$11,250/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,888
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,046
−HK$161/mo
Today · 4.125%
HK$6,207
baseline
▲ 0.50% · 4.625%
HK$6,534
+HK$327/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$12,414/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,175
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,367
−HK$195/mo
Today · 4.125%
HK$6,562
baseline
▲ 0.50% · 4.625%
HK$6,962
+HK$400/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$13,124/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,870
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,054
−HK$187/mo
Today · 4.125%
HK$7,241
baseline
▲ 0.50% · 4.625%
HK$7,623
+HK$382/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$14,482/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,939
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,186
−HK$251/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,951
+HK$514/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,874/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,833
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$241/mo
Today · 4.125%
HK$9,310
baseline
▲ 0.50% · 4.625%
HK$9,801
+HK$491/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,620/mo (50% DSR)
Upfront cash ≈ HK$194K (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).