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$4,311
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,445
−HK$137/mo
Today · 4.125%
HK$4,582
baseline
▲ 0.50% · 4.625%
HK$4,860
+HK$278/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$9,164/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,796
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,925
−HK$130/mo
Today · 4.125%
HK$5,055
baseline
▲ 0.50% · 4.625%
HK$5,322
+HK$267/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$10,110/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,174
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,334
−HK$164/mo
Today · 4.125%
HK$5,498
baseline
▲ 0.50% · 4.625%
HK$5,833
+HK$335/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$10,996/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,756
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,910
−HK$156/mo
Today · 4.125%
HK$6,066
baseline
▲ 0.50% · 4.625%
HK$6,386
+HK$320/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$12,132/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,036
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,224
−HK$190/mo
Today · 4.125%
HK$6,414
baseline
▲ 0.50% · 4.625%
HK$6,805
+HK$391/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,828/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,715
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,895
−HK$183/mo
Today · 4.125%
HK$7,078
baseline
▲ 0.50% · 4.625%
HK$7,451
+HK$373/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,156/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,760
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,002
−HK$245/mo
Today · 4.125%
HK$8,247
baseline
▲ 0.50% · 4.625%
HK$8,749
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,494/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,633
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,865
−HK$235/mo
Today · 4.125%
HK$9,100
baseline
▲ 0.50% · 4.625%
HK$9,579
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,200/mo (50% DSR)
Upfront cash ≈ HK$189K (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).