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$4,415
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,552
−HK$140/mo
Today · 4.125%
HK$4,692
baseline
▲ 0.50% · 4.625%
HK$4,977
+HK$285/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$9,384/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,911
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,043
−HK$134/mo
Today · 4.125%
HK$5,177
baseline
▲ 0.50% · 4.625%
HK$5,450
+HK$273/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$10,354/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,298
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,463
−HK$167/mo
Today · 4.125%
HK$5,630
baseline
▲ 0.50% · 4.625%
HK$5,973
+HK$343/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$11,260/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,894
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,052
−HK$160/mo
Today · 4.125%
HK$6,212
baseline
▲ 0.50% · 4.625%
HK$6,540
+HK$328/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$12,424/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,181
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,373
−HK$195/mo
Today · 4.125%
HK$6,568
baseline
▲ 0.50% · 4.625%
HK$6,968
+HK$400/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$13,136/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,876
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,060
−HK$188/mo
Today · 4.125%
HK$7,248
baseline
▲ 0.50% · 4.625%
HK$7,630
+HK$382/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$14,496/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,947
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,194
−HK$251/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,959
+HK$514/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,890/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,841
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,078
−HK$240/mo
Today · 4.125%
HK$9,318
baseline
▲ 0.50% · 4.625%
HK$9,809
+HK$491/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,636/mo (50% DSR)
Upfront cash ≈ HK$194K (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).