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$4,414
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,551
−HK$140/mo
Today · 4.125%
HK$4,691
baseline
▲ 0.50% · 4.625%
HK$4,976
+HK$285/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$9,382/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,911
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,042
−HK$134/mo
Today · 4.125%
HK$5,176
baseline
▲ 0.50% · 4.625%
HK$5,449
+HK$273/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$10,352/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,297
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,462
−HK$167/mo
Today · 4.125%
HK$5,629
baseline
▲ 0.50% · 4.625%
HK$5,972
+HK$343/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$11,258/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,893
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,051
−HK$160/mo
Today · 4.125%
HK$6,211
baseline
▲ 0.50% · 4.625%
HK$6,539
+HK$328/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$12,422/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,180
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,372
−HK$195/mo
Today · 4.125%
HK$6,567
baseline
▲ 0.50% · 4.625%
HK$6,967
+HK$400/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$13,134/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,875
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,059
−HK$187/mo
Today · 4.125%
HK$7,246
baseline
▲ 0.50% · 4.625%
HK$7,628
+HK$382/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$14,492/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,945
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,193
−HK$251/mo
Today · 4.125%
HK$8,444
baseline
▲ 0.50% · 4.625%
HK$8,957
+HK$513/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,888/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,839
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,076
−HK$241/mo
Today · 4.125%
HK$9,317
baseline
▲ 0.50% · 4.625%
HK$9,808
+HK$491/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,634/mo (50% DSR)
Upfront cash ≈ HK$194K (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).