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$4,276
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,409
−HK$136/mo
Today · 4.125%
HK$4,545
baseline
▲ 0.50% · 4.625%
HK$4,821
+HK$276/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$9,090/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,757
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,885
−HK$129/mo
Today · 4.125%
HK$5,014
baseline
▲ 0.50% · 4.625%
HK$5,279
+HK$265/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$10,028/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,132
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,291
−HK$162/mo
Today · 4.125%
HK$5,453
baseline
▲ 0.50% · 4.625%
HK$5,785
+HK$332/mo
Deposit HK$750K · loan HK$1.13M · min. income ≈ HK$10,906/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,709
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,862
−HK$155/mo
Today · 4.125%
HK$6,017
baseline
▲ 0.50% · 4.625%
HK$6,335
+HK$318/mo
Deposit HK$750K · loan HK$1.13M · min. income ≈ HK$12,034/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,987
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,173
−HK$189/mo
Today · 4.125%
HK$6,362
baseline
▲ 0.50% · 4.625%
HK$6,750
+HK$388/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$12,724/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,660
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$181/mo
Today · 4.125%
HK$7,020
baseline
▲ 0.50% · 4.625%
HK$7,390
+HK$370/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$14,040/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,698
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,937
−HK$243/mo
Today · 4.125%
HK$8,180
baseline
▲ 0.50% · 4.625%
HK$8,678
+HK$498/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,360/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,563
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,793
−HK$233/mo
Today · 4.125%
HK$9,026
baseline
▲ 0.50% · 4.625%
HK$9,502
+HK$476/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,052/mo (50% DSR)
Upfront cash ≈ HK$188K (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).