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$4,423
−HK$135/mo
Today · 4.125%
HK$4,558
baseline
▲ 0.50% · 4.625%
HK$4,836
+HK$278/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$9,116/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,772
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,900
−HK$130/mo
Today · 4.125%
HK$5,030
baseline
▲ 0.50% · 4.625%
HK$5,295
+HK$265/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$10,060/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,147
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,307
−HK$163/mo
Today · 4.125%
HK$5,470
baseline
▲ 0.50% · 4.625%
HK$5,803
+HK$333/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$10,940/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,726
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,880
−HK$156/mo
Today · 4.125%
HK$6,036
baseline
▲ 0.50% · 4.625%
HK$6,354
+HK$318/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$12,072/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,005
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,192
−HK$190/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,770
+HK$388/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$12,764/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$6,681
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,860
−HK$182/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,413
+HK$371/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$14,084/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$7,721
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$244/mo
Today · 4.125%
HK$8,205
baseline
▲ 0.50% · 4.625%
HK$8,704
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,410/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$8,589
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,820
−HK$234/mo
Today · 4.125%
HK$9,054
baseline
▲ 0.50% · 4.625%
HK$9,531
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,108/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).