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$4,338
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,473
−HK$137/mo
Today · 4.125%
HK$4,610
baseline
▲ 0.50% · 4.625%
HK$4,890
+HK$280/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$9,220/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,826
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,955
−HK$131/mo
Today · 4.125%
HK$5,086
baseline
▲ 0.50% · 4.625%
HK$5,355
+HK$269/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$10,172/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,205
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,367
−HK$165/mo
Today · 4.125%
HK$5,532
baseline
▲ 0.50% · 4.625%
HK$5,868
+HK$336/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,064/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,791
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,946
−HK$158/mo
Today · 4.125%
HK$6,104
baseline
▲ 0.50% · 4.625%
HK$6,425
+HK$321/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,208/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,073
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,262
−HK$192/mo
Today · 4.125%
HK$6,454
baseline
▲ 0.50% · 4.625%
HK$6,846
+HK$392/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,908/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,756
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$184/mo
Today · 4.125%
HK$7,121
baseline
▲ 0.50% · 4.625%
HK$7,496
+HK$375/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,242/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,808
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,051
−HK$247/mo
Today · 4.125%
HK$8,298
baseline
▲ 0.50% · 4.625%
HK$8,803
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,596/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,686
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,919
−HK$237/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,638
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,312/mo (50% DSR)
Upfront cash ≈ HK$190K (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).