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$4,326
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,461
−HK$136/mo
Today · 4.125%
HK$4,597
baseline
▲ 0.50% · 4.625%
HK$4,877
+HK$280/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$9,194/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,813
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,942
−HK$131/mo
Today · 4.125%
HK$5,073
baseline
▲ 0.50% · 4.625%
HK$5,340
+HK$267/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$10,146/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,191
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,353
−HK$164/mo
Today · 4.125%
HK$5,517
baseline
▲ 0.50% · 4.625%
HK$5,852
+HK$335/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$11,034/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,775
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,930
−HK$157/mo
Today · 4.125%
HK$6,087
baseline
▲ 0.50% · 4.625%
HK$6,408
+HK$321/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$12,174/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,056
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,245
−HK$191/mo
Today · 4.125%
HK$6,436
baseline
▲ 0.50% · 4.625%
HK$6,828
+HK$392/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$12,872/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,738
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$184/mo
Today · 4.125%
HK$7,102
baseline
▲ 0.50% · 4.625%
HK$7,476
+HK$374/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$14,204/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,787
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,029
−HK$246/mo
Today · 4.125%
HK$8,275
baseline
▲ 0.50% · 4.625%
HK$8,779
+HK$504/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,550/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,663
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,895
−HK$236/mo
Today · 4.125%
HK$9,131
baseline
▲ 0.50% · 4.625%
HK$9,612
+HK$481/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,262/mo (50% DSR)
Upfront cash ≈ HK$190K (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).