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$4,280
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,413
−HK$135/mo
Today · 4.125%
HK$4,548
baseline
▲ 0.50% · 4.625%
HK$4,825
+HK$277/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$9,096/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$4,761
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,889
−HK$129/mo
Today · 4.125%
HK$5,018
baseline
▲ 0.50% · 4.625%
HK$5,283
+HK$265/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$10,036/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$5,136
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,295
−HK$163/mo
Today · 4.125%
HK$5,458
baseline
▲ 0.50% · 4.625%
HK$5,790
+HK$332/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$10,916/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$5,713
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,867
−HK$155/mo
Today · 4.125%
HK$6,022
baseline
▲ 0.50% · 4.625%
HK$6,339
+HK$317/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$12,044/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$5,992
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,178
−HK$189/mo
Today · 4.125%
HK$6,367
baseline
▲ 0.50% · 4.625%
HK$6,755
+HK$388/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$12,734/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$6,666
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$182/mo
Today · 4.125%
HK$7,026
baseline
▲ 0.50% · 4.625%
HK$7,396
+HK$370/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$14,052/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$7,703
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,943
−HK$243/mo
Today · 4.125%
HK$8,186
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,372/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$8,570
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,800
−HK$233/mo
Today · 4.125%
HK$9,033
baseline
▲ 0.50% · 4.625%
HK$9,509
+HK$476/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,066/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).