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$4,295
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,429
−HK$135/mo
Today · 4.125%
HK$4,564
baseline
▲ 0.50% · 4.625%
HK$4,842
+HK$278/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$9,128/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,778
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,906
−HK$130/mo
Today · 4.125%
HK$5,036
baseline
▲ 0.50% · 4.625%
HK$5,302
+HK$266/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$10,072/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,154
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,314
−HK$163/mo
Today · 4.125%
HK$5,477
baseline
▲ 0.50% · 4.625%
HK$5,811
+HK$334/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$10,954/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,734
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,888
−HK$156/mo
Today · 4.125%
HK$6,044
baseline
▲ 0.50% · 4.625%
HK$6,362
+HK$318/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$12,088/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,013
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$190/mo
Today · 4.125%
HK$6,390
baseline
▲ 0.50% · 4.625%
HK$6,779
+HK$389/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$12,780/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,690
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$182/mo
Today · 4.125%
HK$7,051
baseline
▲ 0.50% · 4.625%
HK$7,423
+HK$372/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$14,102/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,731
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,972
−HK$244/mo
Today · 4.125%
HK$8,216
baseline
▲ 0.50% · 4.625%
HK$8,716
+HK$500/mo
Deposit HK$188K · loan HK$1.70M · min. income ≈ HK$16,432/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,601
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,832
−HK$234/mo
Today · 4.125%
HK$9,066
baseline
▲ 0.50% · 4.625%
HK$9,543
+HK$477/mo
Deposit HK$188K · loan HK$1.70M · min. income ≈ HK$18,132/mo (50% DSR)
Upfront cash ≈ HK$188K (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).