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$4,301
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,435
−HK$135/mo
Today · 4.125%
HK$4,570
baseline
▲ 0.50% · 4.625%
HK$4,849
+HK$279/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$9,140/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,785
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,913
−HK$130/mo
Today · 4.125%
HK$5,043
baseline
▲ 0.50% · 4.625%
HK$5,309
+HK$266/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$10,086/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,161
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,321
−HK$164/mo
Today · 4.125%
HK$5,485
baseline
▲ 0.50% · 4.625%
HK$5,818
+HK$333/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$10,970/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,742
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,896
−HK$156/mo
Today · 4.125%
HK$6,052
baseline
▲ 0.50% · 4.625%
HK$6,371
+HK$319/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$12,104/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,021
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,208
−HK$191/mo
Today · 4.125%
HK$6,399
baseline
▲ 0.50% · 4.625%
HK$6,788
+HK$389/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,798/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,698
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,878
−HK$182/mo
Today · 4.125%
HK$7,060
baseline
▲ 0.50% · 4.625%
HK$7,432
+HK$372/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,120/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,741
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,982
−HK$245/mo
Today · 4.125%
HK$8,227
baseline
▲ 0.50% · 4.625%
HK$8,727
+HK$500/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,454/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,612
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$235/mo
Today · 4.125%
HK$9,078
baseline
▲ 0.50% · 4.625%
HK$9,556
+HK$478/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,156/mo (50% DSR)
Upfront cash ≈ HK$189K (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).