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$4,379
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,515
−HK$139/mo
Today · 4.125%
HK$4,654
baseline
▲ 0.50% · 4.625%
HK$4,937
+HK$283/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$9,308/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,872
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,002
−HK$133/mo
Today · 4.125%
HK$5,135
baseline
▲ 0.50% · 4.625%
HK$5,405
+HK$270/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$10,270/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,255
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,418
−HK$166/mo
Today · 4.125%
HK$5,584
baseline
▲ 0.50% · 4.625%
HK$5,924
+HK$340/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,168/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,846
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,003
−HK$159/mo
Today · 4.125%
HK$6,162
baseline
▲ 0.50% · 4.625%
HK$6,487
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,324/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,131
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,321
−HK$194/mo
Today · 4.125%
HK$6,515
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$397/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,030/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,820
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$186/mo
Today · 4.125%
HK$7,189
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,378/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,882
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,127
−HK$250/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,754/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$8,769
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,004
−HK$239/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,730
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,486/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).