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$4,353
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,488
−HK$138/mo
Today · 4.125%
HK$4,626
baseline
▲ 0.50% · 4.625%
HK$4,907
+HK$281/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$9,252/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,843
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,973
−HK$131/mo
Today · 4.125%
HK$5,104
baseline
▲ 0.50% · 4.625%
HK$5,373
+HK$269/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$10,208/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,224
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,386
−HK$165/mo
Today · 4.125%
HK$5,551
baseline
▲ 0.50% · 4.625%
HK$5,889
+HK$338/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$11,102/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,811
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,967
−HK$158/mo
Today · 4.125%
HK$6,125
baseline
▲ 0.50% · 4.625%
HK$6,448
+HK$323/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$12,250/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,094
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,284
−HK$192/mo
Today · 4.125%
HK$6,476
baseline
▲ 0.50% · 4.625%
HK$6,870
+HK$394/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$12,952/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,780
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,962
−HK$184/mo
Today · 4.125%
HK$7,146
baseline
▲ 0.50% · 4.625%
HK$7,523
+HK$377/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$14,292/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,835
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,079
−HK$248/mo
Today · 4.125%
HK$8,327
baseline
▲ 0.50% · 4.625%
HK$8,833
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,654/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,717
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,951
−HK$237/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,672
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,376/mo (50% DSR)
Upfront cash ≈ HK$191K (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).