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$4,366
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,502
−HK$138/mo
Today · 4.125%
HK$4,640
baseline
▲ 0.50% · 4.625%
HK$4,922
+HK$282/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$9,280/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,857
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,988
−HK$132/mo
Today · 4.125%
HK$5,120
baseline
▲ 0.50% · 4.625%
HK$5,390
+HK$270/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$10,240/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,239
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,402
−HK$166/mo
Today · 4.125%
HK$5,568
baseline
▲ 0.50% · 4.625%
HK$5,907
+HK$339/mo
Deposit HK$766K · loan HK$1.15M · min. income ≈ HK$11,136/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,829
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,985
−HK$159/mo
Today · 4.125%
HK$6,144
baseline
▲ 0.50% · 4.625%
HK$6,468
+HK$324/mo
Deposit HK$766K · loan HK$1.15M · min. income ≈ HK$12,288/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,113
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,303
−HK$193/mo
Today · 4.125%
HK$6,496
baseline
▲ 0.50% · 4.625%
HK$6,891
+HK$395/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$12,992/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,800
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,983
−HK$185/mo
Today · 4.125%
HK$7,168
baseline
▲ 0.50% · 4.625%
HK$7,546
+HK$378/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$14,336/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,859
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$248/mo
Today · 4.125%
HK$8,352
baseline
▲ 0.50% · 4.625%
HK$8,860
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,704/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,743
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,978
−HK$238/mo
Today · 4.125%
HK$9,216
baseline
▲ 0.50% · 4.625%
HK$9,701
+HK$485/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,432/mo (50% DSR)
Upfront cash ≈ HK$192K (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).