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$4,398
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,535
−HK$139/mo
Today · 4.125%
HK$4,674
baseline
▲ 0.50% · 4.625%
HK$4,958
+HK$284/mo
Deposit HK$964K · loan HK$964K · min. income ≈ HK$9,348/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$4,893
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,024
−HK$133/mo
Today · 4.125%
HK$5,157
baseline
▲ 0.50% · 4.625%
HK$5,429
+HK$272/mo
Deposit HK$964K · loan HK$964K · min. income ≈ HK$10,314/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$5,278
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,442
−HK$167/mo
Today · 4.125%
HK$5,609
baseline
▲ 0.50% · 4.625%
HK$5,950
+HK$341/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$11,218/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$5,872
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,029
−HK$160/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,515
+HK$326/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$12,378/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$6,157
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,349
−HK$195/mo
Today · 4.125%
HK$6,544
baseline
▲ 0.50% · 4.625%
HK$6,942
+HK$398/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$13,088/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$6,850
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,034
−HK$186/mo
Today · 4.125%
HK$7,220
baseline
▲ 0.50% · 4.625%
HK$7,601
+HK$381/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$14,440/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$7,917
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$250/mo
Today · 4.125%
HK$8,413
baseline
▲ 0.50% · 4.625%
HK$8,925
+HK$512/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,826/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$8,807
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$240/mo
Today · 4.125%
HK$9,283
baseline
▲ 0.50% · 4.625%
HK$9,772
+HK$489/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,566/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).