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$4,298
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,431
−HK$136/mo
Today · 4.125%
HK$4,567
baseline
▲ 0.50% · 4.625%
HK$4,845
+HK$278/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$9,134/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,781
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,909
−HK$130/mo
Today · 4.125%
HK$5,039
baseline
▲ 0.50% · 4.625%
HK$5,305
+HK$266/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$10,078/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,157
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,318
−HK$163/mo
Today · 4.125%
HK$5,481
baseline
▲ 0.50% · 4.625%
HK$5,814
+HK$333/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$10,962/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,737
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,891
−HK$156/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,366
+HK$319/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$12,094/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,017
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,204
−HK$190/mo
Today · 4.125%
HK$6,394
baseline
▲ 0.50% · 4.625%
HK$6,783
+HK$389/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$12,788/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,694
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,873
−HK$182/mo
Today · 4.125%
HK$7,055
baseline
▲ 0.50% · 4.625%
HK$7,427
+HK$372/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$14,110/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,736
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,976
−HK$245/mo
Today · 4.125%
HK$8,221
baseline
▲ 0.50% · 4.625%
HK$8,721
+HK$500/mo
Deposit HK$188K · loan HK$1.70M · min. income ≈ HK$16,442/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,606
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$234/mo
Today · 4.125%
HK$9,071
baseline
▲ 0.50% · 4.625%
HK$9,549
+HK$478/mo
Deposit HK$188K · loan HK$1.70M · min. income ≈ HK$18,142/mo (50% DSR)
Upfront cash ≈ HK$189K (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).