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$4,281
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,414
−HK$135/mo
Today · 4.125%
HK$4,549
baseline
▲ 0.50% · 4.625%
HK$4,826
+HK$277/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$9,098/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,762
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,890
−HK$129/mo
Today · 4.125%
HK$5,019
baseline
▲ 0.50% · 4.625%
HK$5,284
+HK$265/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$10,038/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,137
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,296
−HK$163/mo
Today · 4.125%
HK$5,459
baseline
▲ 0.50% · 4.625%
HK$5,791
+HK$332/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$10,918/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,715
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,868
−HK$155/mo
Today · 4.125%
HK$6,023
baseline
▲ 0.50% · 4.625%
HK$6,341
+HK$318/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$12,046/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,993
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,179
−HK$190/mo
Today · 4.125%
HK$6,369
baseline
▲ 0.50% · 4.625%
HK$6,756
+HK$387/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$12,738/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,667
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,846
−HK$181/mo
Today · 4.125%
HK$7,027
baseline
▲ 0.50% · 4.625%
HK$7,398
+HK$371/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$14,054/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,705
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,945
−HK$243/mo
Today · 4.125%
HK$8,188
baseline
▲ 0.50% · 4.625%
HK$8,686
+HK$498/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,376/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$8,572
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,802
−HK$233/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,511
+HK$476/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,070/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).