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$4,357
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,493
−HK$137/mo
Today · 4.125%
HK$4,630
baseline
▲ 0.50% · 4.625%
HK$4,912
+HK$282/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$9,260/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,847
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,977
−HK$132/mo
Today · 4.125%
HK$5,109
baseline
▲ 0.50% · 4.625%
HK$5,378
+HK$269/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$10,218/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,228
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,391
−HK$165/mo
Today · 4.125%
HK$5,556
baseline
▲ 0.50% · 4.625%
HK$5,894
+HK$338/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$11,112/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,817
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$158/mo
Today · 4.125%
HK$6,131
baseline
▲ 0.50% · 4.625%
HK$6,454
+HK$323/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$12,262/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,100
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$192/mo
Today · 4.125%
HK$6,482
baseline
▲ 0.50% · 4.625%
HK$6,877
+HK$395/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$12,964/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,786
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,968
−HK$185/mo
Today · 4.125%
HK$7,153
baseline
▲ 0.50% · 4.625%
HK$7,530
+HK$377/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$14,306/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,843
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,087
−HK$247/mo
Today · 4.125%
HK$8,334
baseline
▲ 0.50% · 4.625%
HK$8,842
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,668/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$8,725
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,959
−HK$237/mo
Today · 4.125%
HK$9,196
baseline
▲ 0.50% · 4.625%
HK$9,681
+HK$485/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,392/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).