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$4,293
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,426
−HK$136/mo
Today · 4.125%
HK$4,562
baseline
▲ 0.50% · 4.625%
HK$4,840
+HK$278/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$9,124/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$4,776
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,904
−HK$130/mo
Today · 4.125%
HK$5,034
baseline
▲ 0.50% · 4.625%
HK$5,299
+HK$265/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$10,068/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$5,151
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,312
−HK$162/mo
Today · 4.125%
HK$5,474
baseline
▲ 0.50% · 4.625%
HK$5,808
+HK$334/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$10,948/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$5,731
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,885
−HK$156/mo
Today · 4.125%
HK$6,041
baseline
▲ 0.50% · 4.625%
HK$6,359
+HK$318/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$12,082/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$6,010
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,197
−HK$190/mo
Today · 4.125%
HK$6,387
baseline
▲ 0.50% · 4.625%
HK$6,776
+HK$389/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$12,774/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,686
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,865
−HK$182/mo
Today · 4.125%
HK$7,047
baseline
▲ 0.50% · 4.625%
HK$7,419
+HK$372/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$14,094/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,727
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,968
−HK$244/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,711
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,424/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$8,596
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$234/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,122/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).