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$4,294
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,427
−HK$136/mo
Today · 4.125%
HK$4,563
baseline
▲ 0.50% · 4.625%
HK$4,841
+HK$278/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$9,126/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,777
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,905
−HK$130/mo
Today · 4.125%
HK$5,035
baseline
▲ 0.50% · 4.625%
HK$5,300
+HK$265/mo
Deposit HK$942K · loan HK$942K · min. income ≈ HK$10,070/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,153
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,313
−HK$163/mo
Today · 4.125%
HK$5,476
baseline
▲ 0.50% · 4.625%
HK$5,809
+HK$333/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$10,952/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$5,732
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$156/mo
Today · 4.125%
HK$6,042
baseline
▲ 0.50% · 4.625%
HK$6,360
+HK$318/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$12,084/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$6,011
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,198
−HK$190/mo
Today · 4.125%
HK$6,388
baseline
▲ 0.50% · 4.625%
HK$6,777
+HK$389/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$12,776/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$6,688
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,867
−HK$182/mo
Today · 4.125%
HK$7,049
baseline
▲ 0.50% · 4.625%
HK$7,421
+HK$372/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$14,098/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$7,729
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,969
−HK$245/mo
Today · 4.125%
HK$8,214
baseline
▲ 0.50% · 4.625%
HK$8,713
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,428/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$8,598
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$234/mo
Today · 4.125%
HK$9,063
baseline
▲ 0.50% · 4.625%
HK$9,541
+HK$478/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,126/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).