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$4,373
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,509
−HK$138/mo
Today · 4.125%
HK$4,647
baseline
▲ 0.50% · 4.625%
HK$4,930
+HK$283/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$9,294/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,865
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,995
−HK$132/mo
Today · 4.125%
HK$5,127
baseline
▲ 0.50% · 4.625%
HK$5,398
+HK$271/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$10,254/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,247
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,410
−HK$166/mo
Today · 4.125%
HK$5,576
baseline
▲ 0.50% · 4.625%
HK$5,916
+HK$340/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$11,152/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,837
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,994
−HK$159/mo
Today · 4.125%
HK$6,153
baseline
▲ 0.50% · 4.625%
HK$6,477
+HK$324/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$12,306/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,122
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,312
−HK$194/mo
Today · 4.125%
HK$6,506
baseline
▲ 0.50% · 4.625%
HK$6,901
+HK$395/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$13,012/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,810
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$185/mo
Today · 4.125%
HK$7,178
baseline
▲ 0.50% · 4.625%
HK$7,557
+HK$379/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$14,356/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,871
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$248/mo
Today · 4.125%
HK$8,364
baseline
▲ 0.50% · 4.625%
HK$8,873
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,728/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,756
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,991
−HK$238/mo
Today · 4.125%
HK$9,229
baseline
▲ 0.50% · 4.625%
HK$9,716
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,458/mo (50% DSR)
Upfront cash ≈ HK$192K (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).