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$4,306
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,440
−HK$136/mo
Today · 4.125%
HK$4,576
baseline
▲ 0.50% · 4.625%
HK$4,854
+HK$278/mo
Deposit HK$944K · loan HK$944K · min. income ≈ HK$9,152/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,790
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,919
−HK$130/mo
Today · 4.125%
HK$5,049
baseline
▲ 0.50% · 4.625%
HK$5,315
+HK$266/mo
Deposit HK$944K · loan HK$944K · min. income ≈ HK$10,098/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,167
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,328
−HK$163/mo
Today · 4.125%
HK$5,491
baseline
▲ 0.50% · 4.625%
HK$5,825
+HK$334/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$10,982/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$5,748
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,902
−HK$157/mo
Today · 4.125%
HK$6,059
baseline
▲ 0.50% · 4.625%
HK$6,378
+HK$319/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$12,118/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$6,028
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,216
−HK$190/mo
Today · 4.125%
HK$6,406
baseline
▲ 0.50% · 4.625%
HK$6,796
+HK$390/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,812/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,706
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,886
−HK$183/mo
Today · 4.125%
HK$7,069
baseline
▲ 0.50% · 4.625%
HK$7,441
+HK$372/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,138/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,750
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,992
−HK$244/mo
Today · 4.125%
HK$8,236
baseline
▲ 0.50% · 4.625%
HK$8,738
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,472/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$8,622
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,854
−HK$234/mo
Today · 4.125%
HK$9,088
baseline
▲ 0.50% · 4.625%
HK$9,567
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,176/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).