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$4,405
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,542
−HK$139/mo
Today · 4.125%
HK$4,681
baseline
▲ 0.50% · 4.625%
HK$4,966
+HK$285/mo
Deposit HK$966K · loan HK$966K · min. income ≈ HK$9,362/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,901
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,032
−HK$134/mo
Today · 4.125%
HK$5,166
baseline
▲ 0.50% · 4.625%
HK$5,438
+HK$272/mo
Deposit HK$966K · loan HK$966K · min. income ≈ HK$10,332/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,286
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,451
−HK$167/mo
Today · 4.125%
HK$5,618
baseline
▲ 0.50% · 4.625%
HK$5,960
+HK$342/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$11,236/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,881
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,039
−HK$160/mo
Today · 4.125%
HK$6,199
baseline
▲ 0.50% · 4.625%
HK$6,525
+HK$326/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$12,398/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,167
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,359
−HK$195/mo
Today · 4.125%
HK$6,554
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$399/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$13,108/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,861
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$187/mo
Today · 4.125%
HK$7,232
baseline
▲ 0.50% · 4.625%
HK$7,613
+HK$381/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$14,464/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,929
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$251/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,939
+HK$512/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,854/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,821
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,058
−HK$240/mo
Today · 4.125%
HK$9,298
baseline
▲ 0.50% · 4.625%
HK$9,788
+HK$490/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,596/mo (50% DSR)
Upfront cash ≈ HK$193K (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).