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$4,349
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,484
−HK$138/mo
Today · 4.125%
HK$4,622
baseline
▲ 0.50% · 4.625%
HK$4,903
+HK$281/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$9,244/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,838
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,968
−HK$131/mo
Today · 4.125%
HK$5,099
baseline
▲ 0.50% · 4.625%
HK$5,368
+HK$269/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$10,198/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,219
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,381
−HK$165/mo
Today · 4.125%
HK$5,546
baseline
▲ 0.50% · 4.625%
HK$5,883
+HK$337/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$11,092/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,806
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,961
−HK$158/mo
Today · 4.125%
HK$6,119
baseline
▲ 0.50% · 4.625%
HK$6,442
+HK$323/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$12,238/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,088
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,278
−HK$192/mo
Today · 4.125%
HK$6,470
baseline
▲ 0.50% · 4.625%
HK$6,864
+HK$394/mo
Deposit HK$572K · loan HK$1.34M · min. income ≈ HK$12,940/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,773
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$184/mo
Today · 4.125%
HK$7,139
baseline
▲ 0.50% · 4.625%
HK$7,516
+HK$377/mo
Deposit HK$572K · loan HK$1.34M · min. income ≈ HK$14,278/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,828
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,071
−HK$248/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,825
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,638/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,709
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,942
−HK$237/mo
Today · 4.125%
HK$9,179
baseline
▲ 0.50% · 4.625%
HK$9,663
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,358/mo (50% DSR)
Upfront cash ≈ HK$191K (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).