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$4,346
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,481
−HK$138/mo
Today · 4.125%
HK$4,619
baseline
▲ 0.50% · 4.625%
HK$4,900
+HK$281/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$9,238/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,835
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,965
−HK$131/mo
Today · 4.125%
HK$5,096
baseline
▲ 0.50% · 4.625%
HK$5,365
+HK$269/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$10,192/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,215
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$165/mo
Today · 4.125%
HK$5,542
baseline
▲ 0.50% · 4.625%
HK$5,880
+HK$338/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,084/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,802
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,958
−HK$157/mo
Today · 4.125%
HK$6,115
baseline
▲ 0.50% · 4.625%
HK$6,438
+HK$323/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,230/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,084
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,274
−HK$192/mo
Today · 4.125%
HK$6,466
baseline
▲ 0.50% · 4.625%
HK$6,859
+HK$393/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$12,932/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$6,769
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,950
−HK$185/mo
Today · 4.125%
HK$7,135
baseline
▲ 0.50% · 4.625%
HK$7,511
+HK$376/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$14,270/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$7,823
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,066
−HK$247/mo
Today · 4.125%
HK$8,313
baseline
▲ 0.50% · 4.625%
HK$8,819
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,626/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$8,703
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,936
−HK$237/mo
Today · 4.125%
HK$9,173
baseline
▲ 0.50% · 4.625%
HK$9,657
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,346/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).