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$4,315
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,449
−HK$136/mo
Today · 4.125%
HK$4,585
baseline
▲ 0.50% · 4.625%
HK$4,864
+HK$279/mo
Deposit HK$946K · loan HK$946K · min. income ≈ HK$9,170/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,800
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,929
−HK$131/mo
Today · 4.125%
HK$5,060
baseline
▲ 0.50% · 4.625%
HK$5,326
+HK$266/mo
Deposit HK$946K · loan HK$946K · min. income ≈ HK$10,120/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,178
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,339
−HK$164/mo
Today · 4.125%
HK$5,503
baseline
▲ 0.50% · 4.625%
HK$5,837
+HK$334/mo
Deposit HK$757K · loan HK$1.14M · min. income ≈ HK$11,006/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,760
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,915
−HK$156/mo
Today · 4.125%
HK$6,071
baseline
▲ 0.50% · 4.625%
HK$6,392
+HK$321/mo
Deposit HK$757K · loan HK$1.14M · min. income ≈ HK$12,142/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,041
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,229
−HK$191/mo
Today · 4.125%
HK$6,420
baseline
▲ 0.50% · 4.625%
HK$6,810
+HK$390/mo
Deposit HK$568K · loan HK$1.32M · min. income ≈ HK$12,840/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,720
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,901
−HK$182/mo
Today · 4.125%
HK$7,083
baseline
▲ 0.50% · 4.625%
HK$7,457
+HK$374/mo
Deposit HK$568K · loan HK$1.32M · min. income ≈ HK$14,166/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,767
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$246/mo
Today · 4.125%
HK$8,254
baseline
▲ 0.50% · 4.625%
HK$8,756
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,508/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$8,640
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,872
−HK$235/mo
Today · 4.125%
HK$9,107
baseline
▲ 0.50% · 4.625%
HK$9,587
+HK$480/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,214/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).