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$4,395
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,531
−HK$139/mo
Today · 4.125%
HK$4,670
baseline
▲ 0.50% · 4.625%
HK$4,954
+HK$284/mo
Deposit HK$964K · loan HK$964K · min. income ≈ HK$9,340/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,889
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,020
−HK$133/mo
Today · 4.125%
HK$5,153
baseline
▲ 0.50% · 4.625%
HK$5,425
+HK$272/mo
Deposit HK$964K · loan HK$964K · min. income ≈ HK$10,306/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,273
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,437
−HK$167/mo
Today · 4.125%
HK$5,604
baseline
▲ 0.50% · 4.625%
HK$5,945
+HK$341/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$11,208/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$5,867
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,024
−HK$160/mo
Today · 4.125%
HK$6,184
baseline
▲ 0.50% · 4.625%
HK$6,510
+HK$326/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$12,368/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$6,152
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,344
−HK$194/mo
Today · 4.125%
HK$6,538
baseline
▲ 0.50% · 4.625%
HK$6,936
+HK$398/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$13,076/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$6,844
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,028
−HK$186/mo
Today · 4.125%
HK$7,214
baseline
▲ 0.50% · 4.625%
HK$7,594
+HK$380/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$14,428/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$7,910
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,156
−HK$250/mo
Today · 4.125%
HK$8,406
baseline
▲ 0.50% · 4.625%
HK$8,918
+HK$512/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$16,812/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$8,800
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,036
−HK$239/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$489/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$18,550/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).