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$4,402
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,539
−HK$139/mo
Today · 4.125%
HK$4,678
baseline
▲ 0.50% · 4.625%
HK$4,963
+HK$285/mo
Deposit HK$965K · loan HK$965K · min. income ≈ HK$9,356/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,897
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,029
−HK$133/mo
Today · 4.125%
HK$5,162
baseline
▲ 0.50% · 4.625%
HK$5,434
+HK$272/mo
Deposit HK$965K · loan HK$965K · min. income ≈ HK$10,324/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,282
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,447
−HK$167/mo
Today · 4.125%
HK$5,614
baseline
▲ 0.50% · 4.625%
HK$5,955
+HK$341/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$11,228/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,877
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,034
−HK$160/mo
Today · 4.125%
HK$6,194
baseline
▲ 0.50% · 4.625%
HK$6,521
+HK$327/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$12,388/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,163
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,355
−HK$194/mo
Today · 4.125%
HK$6,549
baseline
▲ 0.50% · 4.625%
HK$6,948
+HK$399/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$13,098/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,856
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,040
−HK$187/mo
Today · 4.125%
HK$7,227
baseline
▲ 0.50% · 4.625%
HK$7,608
+HK$381/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$14,454/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,924
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,170
−HK$251/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,933
+HK$512/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,842/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$8,815
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,051
−HK$240/mo
Today · 4.125%
HK$9,291
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$490/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,582/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).