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$4,327
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,462
−HK$137/mo
Today · 4.125%
HK$4,599
baseline
▲ 0.50% · 4.625%
HK$4,879
+HK$280/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$9,198/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,814
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,943
−HK$131/mo
Today · 4.125%
HK$5,074
baseline
▲ 0.50% · 4.625%
HK$5,342
+HK$268/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$10,148/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,193
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,354
−HK$165/mo
Today · 4.125%
HK$5,519
baseline
▲ 0.50% · 4.625%
HK$5,854
+HK$335/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$11,038/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,777
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,932
−HK$157/mo
Today · 4.125%
HK$6,089
baseline
▲ 0.50% · 4.625%
HK$6,410
+HK$321/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$12,178/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,058
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,247
−HK$191/mo
Today · 4.125%
HK$6,438
baseline
▲ 0.50% · 4.625%
HK$6,830
+HK$392/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$12,876/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$6,740
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,921
−HK$183/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,478
+HK$374/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$14,208/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$7,789
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,032
−HK$246/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,781
+HK$503/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,556/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$8,666
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,898
−HK$236/mo
Today · 4.125%
HK$9,134
baseline
▲ 0.50% · 4.625%
HK$9,615
+HK$481/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,268/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).