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$4,391
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,528
−HK$139/mo
Today · 4.125%
HK$4,667
baseline
▲ 0.50% · 4.625%
HK$4,951
+HK$284/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$9,334/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,885
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,017
−HK$132/mo
Today · 4.125%
HK$5,149
baseline
▲ 0.50% · 4.625%
HK$5,421
+HK$272/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$10,298/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,270
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,434
−HK$166/mo
Today · 4.125%
HK$5,600
baseline
▲ 0.50% · 4.625%
HK$5,941
+HK$341/mo
Deposit HK$770K · loan HK$1.16M · min. income ≈ HK$11,200/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,863
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,020
−HK$159/mo
Today · 4.125%
HK$6,179
baseline
▲ 0.50% · 4.625%
HK$6,505
+HK$326/mo
Deposit HK$770K · loan HK$1.16M · min. income ≈ HK$12,358/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,148
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,339
−HK$195/mo
Today · 4.125%
HK$6,534
baseline
▲ 0.50% · 4.625%
HK$6,931
+HK$397/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$13,068/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,840
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$186/mo
Today · 4.125%
HK$7,209
baseline
▲ 0.50% · 4.625%
HK$7,589
+HK$380/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$14,418/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,905
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$249/mo
Today · 4.125%
HK$8,400
baseline
▲ 0.50% · 4.625%
HK$8,912
+HK$512/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$16,800/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$8,794
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,030
−HK$239/mo
Today · 4.125%
HK$9,269
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$489/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$18,538/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).