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$4,351
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,486
−HK$137/mo
Today · 4.125%
HK$4,623
baseline
▲ 0.50% · 4.625%
HK$4,905
+HK$282/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$9,246/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,840
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,970
−HK$132/mo
Today · 4.125%
HK$5,102
baseline
▲ 0.50% · 4.625%
HK$5,370
+HK$268/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$10,204/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,221
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,383
−HK$165/mo
Today · 4.125%
HK$5,548
baseline
▲ 0.50% · 4.625%
HK$5,886
+HK$338/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$11,096/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,808
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,964
−HK$158/mo
Today · 4.125%
HK$6,122
baseline
▲ 0.50% · 4.625%
HK$6,445
+HK$323/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$12,244/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,091
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,280
−HK$193/mo
Today · 4.125%
HK$6,473
baseline
▲ 0.50% · 4.625%
HK$6,867
+HK$394/mo
Deposit HK$572K · loan HK$1.34M · min. income ≈ HK$12,946/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,776
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$184/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$377/mo
Deposit HK$572K · loan HK$1.34M · min. income ≈ HK$14,284/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,831
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,075
−HK$247/mo
Today · 4.125%
HK$8,322
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$507/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,644/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$8,712
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$237/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,667
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,366/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).