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$4,308
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,442
−HK$136/mo
Today · 4.125%
HK$4,578
baseline
▲ 0.50% · 4.625%
HK$4,856
+HK$278/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$9,156/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,792
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,921
−HK$130/mo
Today · 4.125%
HK$5,051
baseline
▲ 0.50% · 4.625%
HK$5,317
+HK$266/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$10,102/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,169
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,330
−HK$163/mo
Today · 4.125%
HK$5,493
baseline
▲ 0.50% · 4.625%
HK$5,828
+HK$335/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$10,986/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,751
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,905
−HK$156/mo
Today · 4.125%
HK$6,061
baseline
▲ 0.50% · 4.625%
HK$6,381
+HK$320/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$12,122/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,031
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,218
−HK$191/mo
Today · 4.125%
HK$6,409
baseline
▲ 0.50% · 4.625%
HK$6,799
+HK$390/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,818/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,709
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,889
−HK$183/mo
Today · 4.125%
HK$7,072
baseline
▲ 0.50% · 4.625%
HK$7,444
+HK$372/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,144/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,754
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,995
−HK$245/mo
Today · 4.125%
HK$8,240
baseline
▲ 0.50% · 4.625%
HK$8,742
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,480/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$8,626
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$235/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,571
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,184/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).