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$4,313
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,447
−HK$136/mo
Today · 4.125%
HK$4,583
baseline
▲ 0.50% · 4.625%
HK$4,862
+HK$279/mo
Deposit HK$946K · loan HK$946K · min. income ≈ HK$9,166/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,798
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,927
−HK$130/mo
Today · 4.125%
HK$5,057
baseline
▲ 0.50% · 4.625%
HK$5,324
+HK$267/mo
Deposit HK$946K · loan HK$946K · min. income ≈ HK$10,114/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,175
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,336
−HK$164/mo
Today · 4.125%
HK$5,500
baseline
▲ 0.50% · 4.625%
HK$5,835
+HK$335/mo
Deposit HK$757K · loan HK$1.13M · min. income ≈ HK$11,000/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,758
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,912
−HK$157/mo
Today · 4.125%
HK$6,069
baseline
▲ 0.50% · 4.625%
HK$6,389
+HK$320/mo
Deposit HK$757K · loan HK$1.13M · min. income ≈ HK$12,138/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,038
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,226
−HK$191/mo
Today · 4.125%
HK$6,417
baseline
▲ 0.50% · 4.625%
HK$6,807
+HK$390/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,834/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,717
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$183/mo
Today · 4.125%
HK$7,080
baseline
▲ 0.50% · 4.625%
HK$7,453
+HK$373/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,160/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,763
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,005
−HK$245/mo
Today · 4.125%
HK$8,250
baseline
▲ 0.50% · 4.625%
HK$8,752
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,500/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$8,636
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,868
−HK$235/mo
Today · 4.125%
HK$9,103
baseline
▲ 0.50% · 4.625%
HK$9,583
+HK$480/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,206/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).