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$4,302
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,436
−HK$135/mo
Today · 4.125%
HK$4,571
baseline
▲ 0.50% · 4.625%
HK$4,850
+HK$279/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$9,142/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$4,786
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,914
−HK$130/mo
Today · 4.125%
HK$5,044
baseline
▲ 0.50% · 4.625%
HK$5,310
+HK$266/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$10,088/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$5,162
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,323
−HK$163/mo
Today · 4.125%
HK$5,486
baseline
▲ 0.50% · 4.625%
HK$5,820
+HK$334/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$10,972/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$5,743
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$156/mo
Today · 4.125%
HK$6,053
baseline
▲ 0.50% · 4.625%
HK$6,372
+HK$319/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$12,106/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$6,022
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,210
−HK$190/mo
Today · 4.125%
HK$6,400
baseline
▲ 0.50% · 4.625%
HK$6,789
+HK$389/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,800/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$6,700
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,880
−HK$182/mo
Today · 4.125%
HK$7,062
baseline
▲ 0.50% · 4.625%
HK$7,434
+HK$372/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,124/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$7,743
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,984
−HK$245/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$500/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,458/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$8,614
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$235/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,558
+HK$478/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,160/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).