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$4,389
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,526
−HK$139/mo
Today · 4.125%
HK$4,665
baseline
▲ 0.50% · 4.625%
HK$4,948
+HK$283/mo
Deposit HK$962K · loan HK$962K · min. income ≈ HK$9,330/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$4,883
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,014
−HK$133/mo
Today · 4.125%
HK$5,147
baseline
▲ 0.50% · 4.625%
HK$5,418
+HK$271/mo
Deposit HK$962K · loan HK$962K · min. income ≈ HK$10,294/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$5,267
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,431
−HK$167/mo
Today · 4.125%
HK$5,598
baseline
▲ 0.50% · 4.625%
HK$5,938
+HK$340/mo
Deposit HK$770K · loan HK$1.15M · min. income ≈ HK$11,196/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,860
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,017
−HK$159/mo
Today · 4.125%
HK$6,176
baseline
▲ 0.50% · 4.625%
HK$6,502
+HK$326/mo
Deposit HK$770K · loan HK$1.15M · min. income ≈ HK$12,352/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,145
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,336
−HK$194/mo
Today · 4.125%
HK$6,530
baseline
▲ 0.50% · 4.625%
HK$6,928
+HK$398/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$13,060/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$6,836
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,020
−HK$186/mo
Today · 4.125%
HK$7,206
baseline
▲ 0.50% · 4.625%
HK$7,586
+HK$380/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$14,412/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$7,901
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,147
−HK$249/mo
Today · 4.125%
HK$8,396
baseline
▲ 0.50% · 4.625%
HK$8,907
+HK$511/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,792/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$8,790
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,025
−HK$239/mo
Today · 4.125%
HK$9,264
baseline
▲ 0.50% · 4.625%
HK$9,753
+HK$489/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,528/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).