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$4,335
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,470
−HK$137/mo
Today · 4.125%
HK$4,607
baseline
▲ 0.50% · 4.625%
HK$4,888
+HK$281/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$9,214/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,823
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,953
−HK$131/mo
Today · 4.125%
HK$5,084
baseline
▲ 0.50% · 4.625%
HK$5,352
+HK$268/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$10,168/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,203
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,364
−HK$165/mo
Today · 4.125%
HK$5,529
baseline
▲ 0.50% · 4.625%
HK$5,865
+HK$336/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,058/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,788
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,943
−HK$158/mo
Today · 4.125%
HK$6,101
baseline
▲ 0.50% · 4.625%
HK$6,422
+HK$321/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,202/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,070
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,258
−HK$192/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,843
+HK$393/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,900/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,752
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$183/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,492
+HK$375/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,234/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,804
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$246/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,798
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,586/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,682
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$236/mo
Today · 4.125%
HK$9,151
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,302/mo (50% DSR)
Upfront cash ≈ HK$190K (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).