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$4,302
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,436
−HK$136/mo
Today · 4.125%
HK$4,572
baseline
▲ 0.50% · 4.625%
HK$4,850
+HK$278/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$9,144/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,786
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,914
−HK$131/mo
Today · 4.125%
HK$5,045
baseline
▲ 0.50% · 4.625%
HK$5,310
+HK$265/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$10,090/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,162
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,323
−HK$163/mo
Today · 4.125%
HK$5,486
baseline
▲ 0.50% · 4.625%
HK$5,820
+HK$334/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$10,972/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,743
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$156/mo
Today · 4.125%
HK$6,053
baseline
▲ 0.50% · 4.625%
HK$6,373
+HK$320/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$12,106/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,023
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,210
−HK$191/mo
Today · 4.125%
HK$6,401
baseline
▲ 0.50% · 4.625%
HK$6,790
+HK$389/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,802/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,700
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,880
−HK$182/mo
Today · 4.125%
HK$7,062
baseline
▲ 0.50% · 4.625%
HK$7,435
+HK$373/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,124/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,744
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$244/mo
Today · 4.125%
HK$8,229
baseline
▲ 0.50% · 4.625%
HK$8,730
+HK$501/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,458/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,615
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,846
−HK$234/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,160/mo (50% DSR)
Upfront cash ≈ HK$189K (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).