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$4,347
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,482
−HK$138/mo
Today · 4.125%
HK$4,620
baseline
▲ 0.50% · 4.625%
HK$4,901
+HK$281/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$9,240/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,836
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,966
−HK$132/mo
Today · 4.125%
HK$5,098
baseline
▲ 0.50% · 4.625%
HK$5,366
+HK$268/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$10,196/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,217
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,379
−HK$165/mo
Today · 4.125%
HK$5,544
baseline
▲ 0.50% · 4.625%
HK$5,881
+HK$337/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$11,088/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,804
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,959
−HK$158/mo
Today · 4.125%
HK$6,117
baseline
▲ 0.50% · 4.625%
HK$6,439
+HK$322/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$12,234/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,086
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,275
−HK$193/mo
Today · 4.125%
HK$6,468
baseline
▲ 0.50% · 4.625%
HK$6,861
+HK$393/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$12,936/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,771
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,952
−HK$185/mo
Today · 4.125%
HK$7,137
baseline
▲ 0.50% · 4.625%
HK$7,513
+HK$376/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$14,274/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,825
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$248/mo
Today · 4.125%
HK$8,316
baseline
▲ 0.50% · 4.625%
HK$8,822
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,632/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,705
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,939
−HK$237/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$483/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,352/mo (50% DSR)
Upfront cash ≈ HK$191K (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).