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$4,389
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,525
−HK$139/mo
Today · 4.125%
HK$4,664
baseline
▲ 0.50% · 4.625%
HK$4,948
+HK$284/mo
Deposit HK$962K · loan HK$962K · min. income ≈ HK$9,328/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,883
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,014
−HK$132/mo
Today · 4.125%
HK$5,146
baseline
▲ 0.50% · 4.625%
HK$5,418
+HK$272/mo
Deposit HK$962K · loan HK$962K · min. income ≈ HK$10,292/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,267
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,431
−HK$166/mo
Today · 4.125%
HK$5,597
baseline
▲ 0.50% · 4.625%
HK$5,938
+HK$341/mo
Deposit HK$770K · loan HK$1.15M · min. income ≈ HK$11,194/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,859
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,016
−HK$160/mo
Today · 4.125%
HK$6,176
baseline
▲ 0.50% · 4.625%
HK$6,501
+HK$325/mo
Deposit HK$770K · loan HK$1.15M · min. income ≈ HK$12,352/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,144
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,336
−HK$194/mo
Today · 4.125%
HK$6,530
baseline
▲ 0.50% · 4.625%
HK$6,927
+HK$397/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$13,060/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,836
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,019
−HK$186/mo
Today · 4.125%
HK$7,205
baseline
▲ 0.50% · 4.625%
HK$7,585
+HK$380/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$14,410/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,900
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,146
−HK$249/mo
Today · 4.125%
HK$8,395
baseline
▲ 0.50% · 4.625%
HK$8,906
+HK$511/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,790/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,789
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,024
−HK$240/mo
Today · 4.125%
HK$9,264
baseline
▲ 0.50% · 4.625%
HK$9,752
+HK$488/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,528/mo (50% DSR)
Upfront cash ≈ HK$193K (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).