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$4,323
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,458
−HK$136/mo
Today · 4.125%
HK$4,594
baseline
▲ 0.50% · 4.625%
HK$4,874
+HK$280/mo
Deposit HK$948K · loan HK$948K · min. income ≈ HK$9,188/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,809
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,938
−HK$131/mo
Today · 4.125%
HK$5,069
baseline
▲ 0.50% · 4.625%
HK$5,337
+HK$268/mo
Deposit HK$948K · loan HK$948K · min. income ≈ HK$10,138/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,188
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,349
−HK$164/mo
Today · 4.125%
HK$5,513
baseline
▲ 0.50% · 4.625%
HK$5,849
+HK$336/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$11,026/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$5,771
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,926
−HK$157/mo
Today · 4.125%
HK$6,083
baseline
▲ 0.50% · 4.625%
HK$6,404
+HK$321/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$12,166/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$6,052
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,241
−HK$191/mo
Today · 4.125%
HK$6,432
baseline
▲ 0.50% · 4.625%
HK$6,823
+HK$391/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$12,864/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,733
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,914
−HK$183/mo
Today · 4.125%
HK$7,097
baseline
▲ 0.50% · 4.625%
HK$7,471
+HK$374/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$14,194/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,782
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,024
−HK$246/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,773
+HK$503/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,540/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$8,657
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,889
−HK$236/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$481/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,250/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).