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$4,386
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,523
−HK$138/mo
Today · 4.125%
HK$4,661
baseline
▲ 0.50% · 4.625%
HK$4,945
+HK$284/mo
Deposit HK$962K · loan HK$962K · min. income ≈ HK$9,322/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,880
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,011
−HK$132/mo
Today · 4.125%
HK$5,143
baseline
▲ 0.50% · 4.625%
HK$5,415
+HK$272/mo
Deposit HK$962K · loan HK$962K · min. income ≈ HK$10,286/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,264
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,427
−HK$167/mo
Today · 4.125%
HK$5,594
baseline
▲ 0.50% · 4.625%
HK$5,934
+HK$340/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$11,188/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,856
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,013
−HK$159/mo
Today · 4.125%
HK$6,172
baseline
▲ 0.50% · 4.625%
HK$6,498
+HK$326/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$12,344/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,141
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,332
−HK$194/mo
Today · 4.125%
HK$6,526
baseline
▲ 0.50% · 4.625%
HK$6,923
+HK$397/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$13,052/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,832
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,015
−HK$186/mo
Today · 4.125%
HK$7,201
baseline
▲ 0.50% · 4.625%
HK$7,580
+HK$379/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$14,402/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,896
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,141
−HK$250/mo
Today · 4.125%
HK$8,391
baseline
▲ 0.50% · 4.625%
HK$8,901
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,782/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,784
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,019
−HK$239/mo
Today · 4.125%
HK$9,258
baseline
▲ 0.50% · 4.625%
HK$9,746
+HK$488/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,516/mo (50% DSR)
Upfront cash ≈ HK$192K (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).