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$4,337
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,472
−HK$137/mo
Today · 4.125%
HK$4,609
baseline
▲ 0.50% · 4.625%
HK$4,889
+HK$280/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$9,218/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,824
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,954
−HK$131/mo
Today · 4.125%
HK$5,085
baseline
▲ 0.50% · 4.625%
HK$5,353
+HK$268/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$10,170/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,204
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,366
−HK$164/mo
Today · 4.125%
HK$5,530
baseline
▲ 0.50% · 4.625%
HK$5,867
+HK$337/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,060/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,789
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,945
−HK$157/mo
Today · 4.125%
HK$6,102
baseline
▲ 0.50% · 4.625%
HK$6,424
+HK$322/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,204/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,071
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,260
−HK$192/mo
Today · 4.125%
HK$6,452
baseline
▲ 0.50% · 4.625%
HK$6,845
+HK$393/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,904/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,754
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$184/mo
Today · 4.125%
HK$7,119
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$375/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,238/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,806
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$246/mo
Today · 4.125%
HK$8,295
baseline
▲ 0.50% · 4.625%
HK$8,800
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,590/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$8,684
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,917
−HK$236/mo
Today · 4.125%
HK$9,153
baseline
▲ 0.50% · 4.625%
HK$9,636
+HK$483/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,306/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).