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$4,309
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,443
−HK$136/mo
Today · 4.125%
HK$4,579
baseline
▲ 0.50% · 4.625%
HK$4,858
+HK$279/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$9,158/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,794
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,922
−HK$131/mo
Today · 4.125%
HK$5,053
baseline
▲ 0.50% · 4.625%
HK$5,319
+HK$266/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$10,106/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,171
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,332
−HK$163/mo
Today · 4.125%
HK$5,495
baseline
▲ 0.50% · 4.625%
HK$5,829
+HK$334/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$10,990/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,752
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,907
−HK$156/mo
Today · 4.125%
HK$6,063
baseline
▲ 0.50% · 4.625%
HK$6,383
+HK$320/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$12,126/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,033
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,220
−HK$191/mo
Today · 4.125%
HK$6,411
baseline
▲ 0.50% · 4.625%
HK$6,801
+HK$390/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,822/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,711
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,891
−HK$183/mo
Today · 4.125%
HK$7,074
baseline
▲ 0.50% · 4.625%
HK$7,447
+HK$373/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,148/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,756
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,997
−HK$245/mo
Today · 4.125%
HK$8,242
baseline
▲ 0.50% · 4.625%
HK$8,744
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,484/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$8,629
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,860
−HK$235/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,574
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,190/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).