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$4,359
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,494
−HK$138/mo
Today · 4.125%
HK$4,632
baseline
▲ 0.50% · 4.625%
HK$4,914
+HK$282/mo
Deposit HK$956K · loan HK$956K · min. income ≈ HK$9,264/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,849
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,979
−HK$132/mo
Today · 4.125%
HK$5,111
baseline
▲ 0.50% · 4.625%
HK$5,380
+HK$269/mo
Deposit HK$956K · loan HK$956K · min. income ≈ HK$10,222/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,231
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,393
−HK$166/mo
Today · 4.125%
HK$5,559
baseline
▲ 0.50% · 4.625%
HK$5,897
+HK$338/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$11,118/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,819
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,975
−HK$158/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,457
+HK$324/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$12,266/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,102
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,292
−HK$193/mo
Today · 4.125%
HK$6,485
baseline
▲ 0.50% · 4.625%
HK$6,880
+HK$395/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$12,970/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,789
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$185/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,533
+HK$377/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$14,312/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,846
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,090
−HK$248/mo
Today · 4.125%
HK$8,338
baseline
▲ 0.50% · 4.625%
HK$8,845
+HK$507/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,676/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$8,728
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,962
−HK$238/mo
Today · 4.125%
HK$9,200
baseline
▲ 0.50% · 4.625%
HK$9,685
+HK$485/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,400/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).