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$4,278
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,411
−HK$136/mo
Today · 4.125%
HK$4,547
baseline
▲ 0.50% · 4.625%
HK$4,823
+HK$276/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$9,094/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,760
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,887
−HK$130/mo
Today · 4.125%
HK$5,017
baseline
▲ 0.50% · 4.625%
HK$5,281
+HK$264/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$10,034/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,134
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,294
−HK$162/mo
Today · 4.125%
HK$5,456
baseline
▲ 0.50% · 4.625%
HK$5,788
+HK$332/mo
Deposit HK$750K · loan HK$1.13M · min. income ≈ HK$10,912/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,711
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,865
−HK$155/mo
Today · 4.125%
HK$6,020
baseline
▲ 0.50% · 4.625%
HK$6,337
+HK$317/mo
Deposit HK$750K · loan HK$1.13M · min. income ≈ HK$12,040/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,990
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,176
−HK$189/mo
Today · 4.125%
HK$6,365
baseline
▲ 0.50% · 4.625%
HK$6,752
+HK$387/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$12,730/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,663
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,842
−HK$181/mo
Today · 4.125%
HK$7,023
baseline
▲ 0.50% · 4.625%
HK$7,394
+HK$371/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$14,046/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,701
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,940
−HK$244/mo
Today · 4.125%
HK$8,184
baseline
▲ 0.50% · 4.625%
HK$8,682
+HK$498/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,368/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,567
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,797
−HK$233/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,506
+HK$476/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,060/mo (50% DSR)
Upfront cash ≈ HK$188K (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).