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$4,354
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,490
−HK$138/mo
Today · 4.125%
HK$4,628
baseline
▲ 0.50% · 4.625%
HK$4,909
+HK$281/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$9,256/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,844
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,974
−HK$132/mo
Today · 4.125%
HK$5,106
baseline
▲ 0.50% · 4.625%
HK$5,375
+HK$269/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$10,212/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,225
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,388
−HK$165/mo
Today · 4.125%
HK$5,553
baseline
▲ 0.50% · 4.625%
HK$5,891
+HK$338/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$11,106/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,813
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,969
−HK$158/mo
Today · 4.125%
HK$6,127
baseline
▲ 0.50% · 4.625%
HK$6,450
+HK$323/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$12,254/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,096
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,286
−HK$193/mo
Today · 4.125%
HK$6,479
baseline
▲ 0.50% · 4.625%
HK$6,873
+HK$394/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$12,958/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,782
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,964
−HK$184/mo
Today · 4.125%
HK$7,148
baseline
▲ 0.50% · 4.625%
HK$7,525
+HK$377/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$14,296/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,838
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$248/mo
Today · 4.125%
HK$8,330
baseline
▲ 0.50% · 4.625%
HK$8,836
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,660/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,720
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,954
−HK$237/mo
Today · 4.125%
HK$9,191
baseline
▲ 0.50% · 4.625%
HK$9,675
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,382/mo (50% DSR)
Upfront cash ≈ HK$191K (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).