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$4,341
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,476
−HK$137/mo
Today · 4.125%
HK$4,613
baseline
▲ 0.50% · 4.625%
HK$4,894
+HK$281/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$9,226/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,829
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,958
−HK$132/mo
Today · 4.125%
HK$5,090
baseline
▲ 0.50% · 4.625%
HK$5,358
+HK$268/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$10,180/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,209
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,371
−HK$164/mo
Today · 4.125%
HK$5,535
baseline
▲ 0.50% · 4.625%
HK$5,872
+HK$337/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,070/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,795
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,950
−HK$158/mo
Today · 4.125%
HK$6,108
baseline
▲ 0.50% · 4.625%
HK$6,430
+HK$322/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,216/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,077
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,266
−HK$192/mo
Today · 4.125%
HK$6,458
baseline
▲ 0.50% · 4.625%
HK$6,851
+HK$393/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,916/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,761
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,942
−HK$184/mo
Today · 4.125%
HK$7,126
baseline
▲ 0.50% · 4.625%
HK$7,501
+HK$375/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,252/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,813
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$247/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,606/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$8,692
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$237/mo
Today · 4.125%
HK$9,162
baseline
▲ 0.50% · 4.625%
HK$9,645
+HK$483/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,324/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).