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$4,415
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,553
−HK$139/mo
Today · 4.125%
HK$4,692
baseline
▲ 0.50% · 4.625%
HK$4,978
+HK$286/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$9,384/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,912
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,044
−HK$133/mo
Today · 4.125%
HK$5,177
baseline
▲ 0.50% · 4.625%
HK$5,450
+HK$273/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$10,354/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,298
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,463
−HK$168/mo
Today · 4.125%
HK$5,631
baseline
▲ 0.50% · 4.625%
HK$5,973
+HK$342/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$11,262/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,894
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,053
−HK$160/mo
Today · 4.125%
HK$6,213
baseline
▲ 0.50% · 4.625%
HK$6,540
+HK$327/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$12,426/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,182
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,374
−HK$195/mo
Today · 4.125%
HK$6,569
baseline
▲ 0.50% · 4.625%
HK$6,969
+HK$400/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$13,138/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,877
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$187/mo
Today · 4.125%
HK$7,248
baseline
▲ 0.50% · 4.625%
HK$7,631
+HK$383/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$14,496/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,948
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,195
−HK$251/mo
Today · 4.125%
HK$8,446
baseline
▲ 0.50% · 4.625%
HK$8,960
+HK$514/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,892/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,842
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,079
−HK$240/mo
Today · 4.125%
HK$9,319
baseline
▲ 0.50% · 4.625%
HK$9,811
+HK$492/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,638/mo (50% DSR)
Upfront cash ≈ HK$194K (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).