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$4,403
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,540
−HK$139/mo
Today · 4.125%
HK$4,679
baseline
▲ 0.50% · 4.625%
HK$4,964
+HK$285/mo
Deposit HK$965K · loan HK$965K · min. income ≈ HK$9,358/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,898
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,030
−HK$133/mo
Today · 4.125%
HK$5,163
baseline
▲ 0.50% · 4.625%
HK$5,435
+HK$272/mo
Deposit HK$965K · loan HK$965K · min. income ≈ HK$10,326/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,284
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,448
−HK$167/mo
Today · 4.125%
HK$5,615
baseline
▲ 0.50% · 4.625%
HK$5,957
+HK$342/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$11,230/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,878
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,036
−HK$160/mo
Today · 4.125%
HK$6,196
baseline
▲ 0.50% · 4.625%
HK$6,522
+HK$326/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$12,392/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,164
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,356
−HK$195/mo
Today · 4.125%
HK$6,551
baseline
▲ 0.50% · 4.625%
HK$6,949
+HK$398/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$13,102/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,858
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$186/mo
Today · 4.125%
HK$7,228
baseline
▲ 0.50% · 4.625%
HK$7,609
+HK$381/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$14,456/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,925
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,172
−HK$250/mo
Today · 4.125%
HK$8,422
baseline
▲ 0.50% · 4.625%
HK$8,935
+HK$513/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,844/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,817
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$240/mo
Today · 4.125%
HK$9,293
baseline
▲ 0.50% · 4.625%
HK$9,783
+HK$490/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,586/mo (50% DSR)
Upfront cash ≈ HK$193K (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).