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$4,283
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,416
−HK$136/mo
Today · 4.125%
HK$4,552
baseline
▲ 0.50% · 4.625%
HK$4,829
+HK$277/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$9,104/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,765
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$129/mo
Today · 4.125%
HK$5,022
baseline
▲ 0.50% · 4.625%
HK$5,287
+HK$265/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$10,044/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,140
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,299
−HK$163/mo
Today · 4.125%
HK$5,462
baseline
▲ 0.50% · 4.625%
HK$5,794
+HK$332/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$10,924/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,718
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,871
−HK$156/mo
Today · 4.125%
HK$6,027
baseline
▲ 0.50% · 4.625%
HK$6,344
+HK$317/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$12,054/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,996
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,183
−HK$189/mo
Today · 4.125%
HK$6,372
baseline
▲ 0.50% · 4.625%
HK$6,760
+HK$388/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$12,744/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,671
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,850
−HK$181/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,402
+HK$371/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$14,062/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,709
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,949
−HK$244/mo
Today · 4.125%
HK$8,193
baseline
▲ 0.50% · 4.625%
HK$8,691
+HK$498/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,386/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,577
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,807
−HK$233/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,517
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,080/mo (50% DSR)
Upfront cash ≈ HK$188K (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).