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$4,319
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,453
−HK$137/mo
Today · 4.125%
HK$4,590
baseline
▲ 0.50% · 4.625%
HK$4,869
+HK$279/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$9,180/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,805
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,933
−HK$131/mo
Today · 4.125%
HK$5,064
baseline
▲ 0.50% · 4.625%
HK$5,331
+HK$267/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$10,128/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,183
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,344
−HK$164/mo
Today · 4.125%
HK$5,508
baseline
▲ 0.50% · 4.625%
HK$5,843
+HK$335/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$11,016/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,766
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,920
−HK$157/mo
Today · 4.125%
HK$6,077
baseline
▲ 0.50% · 4.625%
HK$6,397
+HK$320/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$12,154/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,046
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,234
−HK$191/mo
Today · 4.125%
HK$6,425
baseline
▲ 0.50% · 4.625%
HK$6,816
+HK$391/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$12,850/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$6,726
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,907
−HK$183/mo
Today · 4.125%
HK$7,090
baseline
▲ 0.50% · 4.625%
HK$7,464
+HK$374/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$14,180/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$7,774
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,016
−HK$245/mo
Today · 4.125%
HK$8,261
baseline
▲ 0.50% · 4.625%
HK$8,764
+HK$503/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,522/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$8,648
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,880
−HK$236/mo
Today · 4.125%
HK$9,116
baseline
▲ 0.50% · 4.625%
HK$9,596
+HK$480/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,232/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).