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$4,288
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,422
−HK$135/mo
Today · 4.125%
HK$4,557
baseline
▲ 0.50% · 4.625%
HK$4,834
+HK$277/mo
Deposit HK$940K · loan HK$940K · min. income ≈ HK$9,114/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,771
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,898
−HK$130/mo
Today · 4.125%
HK$5,028
baseline
▲ 0.50% · 4.625%
HK$5,293
+HK$265/mo
Deposit HK$940K · loan HK$940K · min. income ≈ HK$10,056/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,146
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,306
−HK$162/mo
Today · 4.125%
HK$5,468
baseline
▲ 0.50% · 4.625%
HK$5,801
+HK$333/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$10,936/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,725
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,878
−HK$156/mo
Today · 4.125%
HK$6,034
baseline
▲ 0.50% · 4.625%
HK$6,352
+HK$318/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$12,068/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,003
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,190
−HK$190/mo
Today · 4.125%
HK$6,380
baseline
▲ 0.50% · 4.625%
HK$6,768
+HK$388/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$12,760/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,679
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,858
−HK$182/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,411
+HK$371/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$14,080/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,719
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,959
−HK$244/mo
Today · 4.125%
HK$8,203
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,406/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,587
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,817
−HK$234/mo
Today · 4.125%
HK$9,051
baseline
▲ 0.50% · 4.625%
HK$9,528
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,102/mo (50% DSR)
Upfront cash ≈ HK$188K (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).