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$4,378
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,514
−HK$138/mo
Today · 4.125%
HK$4,652
baseline
▲ 0.50% · 4.625%
HK$4,935
+HK$283/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$9,304/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$4,870
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,001
−HK$132/mo
Today · 4.125%
HK$5,133
baseline
▲ 0.50% · 4.625%
HK$5,404
+HK$271/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$10,266/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$5,253
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,417
−HK$166/mo
Today · 4.125%
HK$5,583
baseline
▲ 0.50% · 4.625%
HK$5,922
+HK$339/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,166/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$5,844
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,001
−HK$159/mo
Today · 4.125%
HK$6,160
baseline
▲ 0.50% · 4.625%
HK$6,485
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,320/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$6,129
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,320
−HK$193/mo
Today · 4.125%
HK$6,513
baseline
▲ 0.50% · 4.625%
HK$6,910
+HK$397/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,026/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$6,818
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,001
−HK$186/mo
Today · 4.125%
HK$7,187
baseline
▲ 0.50% · 4.625%
HK$7,565
+HK$378/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,374/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$7,880
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,125
−HK$249/mo
Today · 4.125%
HK$8,374
baseline
▲ 0.50% · 4.625%
HK$8,884
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,748/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$8,766
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,002
−HK$238/mo
Today · 4.125%
HK$9,240
baseline
▲ 0.50% · 4.625%
HK$9,727
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,480/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).