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$4,392
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,529
−HK$139/mo
Today · 4.125%
HK$4,668
baseline
▲ 0.50% · 4.625%
HK$4,952
+HK$284/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$9,336/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,887
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,018
−HK$133/mo
Today · 4.125%
HK$5,151
baseline
▲ 0.50% · 4.625%
HK$5,422
+HK$271/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$10,302/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,271
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,435
−HK$167/mo
Today · 4.125%
HK$5,602
baseline
▲ 0.50% · 4.625%
HK$5,942
+HK$340/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$11,204/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,864
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,021
−HK$160/mo
Today · 4.125%
HK$6,181
baseline
▲ 0.50% · 4.625%
HK$6,507
+HK$326/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$12,362/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,149
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,341
−HK$194/mo
Today · 4.125%
HK$6,535
baseline
▲ 0.50% · 4.625%
HK$6,933
+HK$398/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$13,070/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,841
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,025
−HK$186/mo
Today · 4.125%
HK$7,211
baseline
▲ 0.50% · 4.625%
HK$7,591
+HK$380/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$14,422/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,906
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,152
−HK$250/mo
Today · 4.125%
HK$8,402
baseline
▲ 0.50% · 4.625%
HK$8,914
+HK$512/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$16,804/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$8,796
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,032
−HK$239/mo
Today · 4.125%
HK$9,271
baseline
▲ 0.50% · 4.625%
HK$9,760
+HK$489/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$18,542/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).