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$4,375
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,512
−HK$138/mo
Today · 4.125%
HK$4,650
baseline
▲ 0.50% · 4.625%
HK$4,933
+HK$283/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$9,300/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,868
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,998
−HK$133/mo
Today · 4.125%
HK$5,131
baseline
▲ 0.50% · 4.625%
HK$5,401
+HK$270/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$10,262/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,251
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,414
−HK$166/mo
Today · 4.125%
HK$5,580
baseline
▲ 0.50% · 4.625%
HK$5,919
+HK$339/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,160/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,841
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,998
−HK$159/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,481
+HK$324/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,314/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,126
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,316
−HK$194/mo
Today · 4.125%
HK$6,510
baseline
▲ 0.50% · 4.625%
HK$6,906
+HK$396/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,020/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,815
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$185/mo
Today · 4.125%
HK$7,183
baseline
▲ 0.50% · 4.625%
HK$7,562
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,366/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,876
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,121
−HK$249/mo
Today · 4.125%
HK$8,370
baseline
▲ 0.50% · 4.625%
HK$8,879
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,740/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,762
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$238/mo
Today · 4.125%
HK$9,235
baseline
▲ 0.50% · 4.625%
HK$9,722
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,470/mo (50% DSR)
Upfront cash ≈ HK$192K (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).