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$4,374
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,511
−HK$138/mo
Today · 4.125%
HK$4,649
baseline
▲ 0.50% · 4.625%
HK$4,932
+HK$283/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$9,298/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,867
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,997
−HK$133/mo
Today · 4.125%
HK$5,130
baseline
▲ 0.50% · 4.625%
HK$5,400
+HK$270/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$10,260/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,249
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,413
−HK$166/mo
Today · 4.125%
HK$5,579
baseline
▲ 0.50% · 4.625%
HK$5,918
+HK$339/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$11,158/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,840
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,997
−HK$158/mo
Today · 4.125%
HK$6,155
baseline
▲ 0.50% · 4.625%
HK$6,480
+HK$325/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$12,310/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,124
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,315
−HK$193/mo
Today · 4.125%
HK$6,508
baseline
▲ 0.50% · 4.625%
HK$6,904
+HK$396/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,016/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$6,813
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,996
−HK$185/mo
Today · 4.125%
HK$7,181
baseline
▲ 0.50% · 4.625%
HK$7,560
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,362/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$7,874
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$249/mo
Today · 4.125%
HK$8,368
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,736/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$8,760
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,995
−HK$238/mo
Today · 4.125%
HK$9,233
baseline
▲ 0.50% · 4.625%
HK$9,720
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,466/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).