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$4,289
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,422
−HK$136/mo
Today · 4.125%
HK$4,558
baseline
▲ 0.50% · 4.625%
HK$4,835
+HK$277/mo
Deposit HK$940K · loan HK$940K · min. income ≈ HK$9,116/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,771
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,899
−HK$130/mo
Today · 4.125%
HK$5,029
baseline
▲ 0.50% · 4.625%
HK$5,294
+HK$265/mo
Deposit HK$940K · loan HK$940K · min. income ≈ HK$10,058/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,146
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,307
−HK$162/mo
Today · 4.125%
HK$5,469
baseline
▲ 0.50% · 4.625%
HK$5,802
+HK$333/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$10,938/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,725
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,879
−HK$156/mo
Today · 4.125%
HK$6,035
baseline
▲ 0.50% · 4.625%
HK$6,353
+HK$318/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$12,070/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,004
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,191
−HK$190/mo
Today · 4.125%
HK$6,381
baseline
▲ 0.50% · 4.625%
HK$6,769
+HK$388/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$12,762/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,680
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,859
−HK$181/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$372/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$14,080/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,720
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,960
−HK$244/mo
Today · 4.125%
HK$8,204
baseline
▲ 0.50% · 4.625%
HK$8,703
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,408/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$8,588
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,818
−HK$234/mo
Today · 4.125%
HK$9,052
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,104/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).