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$4,317
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,451
−HK$137/mo
Today · 4.125%
HK$4,588
baseline
▲ 0.50% · 4.625%
HK$4,867
+HK$279/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$9,176/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,802
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,931
−HK$131/mo
Today · 4.125%
HK$5,062
baseline
▲ 0.50% · 4.625%
HK$5,329
+HK$267/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$10,124/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,180
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,341
−HK$164/mo
Today · 4.125%
HK$5,505
baseline
▲ 0.50% · 4.625%
HK$5,840
+HK$335/mo
Deposit HK$757K · loan HK$1.14M · min. income ≈ HK$11,010/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,763
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,917
−HK$157/mo
Today · 4.125%
HK$6,074
baseline
▲ 0.50% · 4.625%
HK$6,394
+HK$320/mo
Deposit HK$757K · loan HK$1.14M · min. income ≈ HK$12,148/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,044
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,232
−HK$191/mo
Today · 4.125%
HK$6,423
baseline
▲ 0.50% · 4.625%
HK$6,813
+HK$390/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$12,846/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,723
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,904
−HK$183/mo
Today · 4.125%
HK$7,087
baseline
▲ 0.50% · 4.625%
HK$7,460
+HK$373/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$14,174/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,770
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$246/mo
Today · 4.125%
HK$8,258
baseline
▲ 0.50% · 4.625%
HK$8,760
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,516/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$8,644
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,876
−HK$235/mo
Today · 4.125%
HK$9,111
baseline
▲ 0.50% · 4.625%
HK$9,592
+HK$481/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,222/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).