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$4,339
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,474
−HK$137/mo
Today · 4.125%
HK$4,611
baseline
▲ 0.50% · 4.625%
HK$4,891
+HK$280/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$9,222/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,827
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,956
−HK$132/mo
Today · 4.125%
HK$5,088
baseline
▲ 0.50% · 4.625%
HK$5,356
+HK$268/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$10,176/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,207
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,368
−HK$165/mo
Today · 4.125%
HK$5,533
baseline
▲ 0.50% · 4.625%
HK$5,870
+HK$337/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,066/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,792
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$157/mo
Today · 4.125%
HK$6,105
baseline
▲ 0.50% · 4.625%
HK$6,427
+HK$322/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,210/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,074
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,263
−HK$192/mo
Today · 4.125%
HK$6,455
baseline
▲ 0.50% · 4.625%
HK$6,848
+HK$393/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,910/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,758
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,939
−HK$184/mo
Today · 4.125%
HK$7,123
baseline
▲ 0.50% · 4.625%
HK$7,498
+HK$375/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,246/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,810
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$247/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,805
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,600/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,688
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$237/mo
Today · 4.125%
HK$9,158
baseline
▲ 0.50% · 4.625%
HK$9,640
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,316/mo (50% DSR)
Upfront cash ≈ HK$190K (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).