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$4,364
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,499
−HK$138/mo
Today · 4.125%
HK$4,637
baseline
▲ 0.50% · 4.625%
HK$4,920
+HK$283/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$9,274/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,855
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,985
−HK$132/mo
Today · 4.125%
HK$5,117
baseline
▲ 0.50% · 4.625%
HK$5,387
+HK$270/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$10,234/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,236
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,399
−HK$166/mo
Today · 4.125%
HK$5,565
baseline
▲ 0.50% · 4.625%
HK$5,903
+HK$338/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$11,130/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,825
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,982
−HK$158/mo
Today · 4.125%
HK$6,140
baseline
▲ 0.50% · 4.625%
HK$6,464
+HK$324/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$12,280/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,109
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,299
−HK$193/mo
Today · 4.125%
HK$6,492
baseline
▲ 0.50% · 4.625%
HK$6,887
+HK$395/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$12,984/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,796
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,979
−HK$185/mo
Today · 4.125%
HK$7,164
baseline
▲ 0.50% · 4.625%
HK$7,541
+HK$377/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$14,328/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,855
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$248/mo
Today · 4.125%
HK$8,347
baseline
▲ 0.50% · 4.625%
HK$8,855
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,694/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$8,738
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,973
−HK$237/mo
Today · 4.125%
HK$9,210
baseline
▲ 0.50% · 4.625%
HK$9,696
+HK$486/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,420/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).