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$4,282
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,415
−HK$136/mo
Today · 4.125%
HK$4,551
baseline
▲ 0.50% · 4.625%
HK$4,827
+HK$276/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$9,102/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$4,764
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,891
−HK$130/mo
Today · 4.125%
HK$5,021
baseline
▲ 0.50% · 4.625%
HK$5,286
+HK$265/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$10,042/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$5,138
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,298
−HK$163/mo
Today · 4.125%
HK$5,461
baseline
▲ 0.50% · 4.625%
HK$5,793
+HK$332/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$10,922/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$5,716
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,870
−HK$155/mo
Today · 4.125%
HK$6,025
baseline
▲ 0.50% · 4.625%
HK$6,343
+HK$318/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$12,050/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$5,995
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,181
−HK$190/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,758
+HK$387/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$12,742/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$6,669
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$181/mo
Today · 4.125%
HK$7,029
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$371/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$14,058/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$7,708
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,947
−HK$244/mo
Today · 4.125%
HK$8,191
baseline
▲ 0.50% · 4.625%
HK$8,689
+HK$498/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,382/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$8,575
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$233/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,514
+HK$476/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,076/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).