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$4,376
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,512
−HK$138/mo
Today · 4.125%
HK$4,650
baseline
▲ 0.50% · 4.625%
HK$4,933
+HK$283/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$9,300/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,868
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,999
−HK$132/mo
Today · 4.125%
HK$5,131
baseline
▲ 0.50% · 4.625%
HK$5,402
+HK$271/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$10,262/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,251
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,414
−HK$166/mo
Today · 4.125%
HK$5,580
baseline
▲ 0.50% · 4.625%
HK$5,920
+HK$340/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,160/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,842
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,999
−HK$158/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,482
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,314/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,126
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,317
−HK$193/mo
Today · 4.125%
HK$6,510
baseline
▲ 0.50% · 4.625%
HK$6,907
+HK$397/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,020/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,815
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$186/mo
Today · 4.125%
HK$7,184
baseline
▲ 0.50% · 4.625%
HK$7,562
+HK$378/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,368/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,877
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$249/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,880
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,742/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,763
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,998
−HK$238/mo
Today · 4.125%
HK$9,236
baseline
▲ 0.50% · 4.625%
HK$9,723
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,472/mo (50% DSR)
Upfront cash ≈ HK$192K (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).