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$4,421
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,558
−HK$140/mo
Today · 4.125%
HK$4,698
baseline
▲ 0.50% · 4.625%
HK$4,984
+HK$286/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$9,396/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,918
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,050
−HK$134/mo
Today · 4.125%
HK$5,184
baseline
▲ 0.50% · 4.625%
HK$5,457
+HK$273/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$10,368/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,305
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$168/mo
Today · 4.125%
HK$5,638
baseline
▲ 0.50% · 4.625%
HK$5,981
+HK$343/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$11,276/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,902
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$160/mo
Today · 4.125%
HK$6,220
baseline
▲ 0.50% · 4.625%
HK$6,548
+HK$328/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$12,440/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,189
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,382
−HK$195/mo
Today · 4.125%
HK$6,577
baseline
▲ 0.50% · 4.625%
HK$6,977
+HK$400/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,154/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,885
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,070
−HK$187/mo
Today · 4.125%
HK$7,257
baseline
▲ 0.50% · 4.625%
HK$7,640
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,514/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,957
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,205
−HK$251/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,971
+HK$515/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,912/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$8,852
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$241/mo
Today · 4.125%
HK$9,331
baseline
▲ 0.50% · 4.625%
HK$9,823
+HK$492/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,662/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).