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$4,383
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,519
−HK$139/mo
Today · 4.125%
HK$4,658
baseline
▲ 0.50% · 4.625%
HK$4,941
+HK$283/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$9,316/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,876
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,007
−HK$133/mo
Today · 4.125%
HK$5,140
baseline
▲ 0.50% · 4.625%
HK$5,411
+HK$271/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$10,280/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,260
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,423
−HK$167/mo
Today · 4.125%
HK$5,590
baseline
▲ 0.50% · 4.625%
HK$5,930
+HK$340/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$11,180/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,851
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,008
−HK$160/mo
Today · 4.125%
HK$6,168
baseline
▲ 0.50% · 4.625%
HK$6,493
+HK$325/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$12,336/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,136
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,327
−HK$194/mo
Today · 4.125%
HK$6,521
baseline
▲ 0.50% · 4.625%
HK$6,918
+HK$397/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$13,042/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,827
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,010
−HK$185/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,575
+HK$380/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$14,390/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,890
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$249/mo
Today · 4.125%
HK$8,384
baseline
▲ 0.50% · 4.625%
HK$8,895
+HK$511/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,768/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,777
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,012
−HK$239/mo
Today · 4.125%
HK$9,251
baseline
▲ 0.50% · 4.625%
HK$9,739
+HK$488/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,502/mo (50% DSR)
Upfront cash ≈ HK$192K (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).