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$4,343
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,479
−HK$137/mo
Today · 4.125%
HK$4,616
baseline
▲ 0.50% · 4.625%
HK$4,897
+HK$281/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$9,232/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,832
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,962
−HK$131/mo
Today · 4.125%
HK$5,093
baseline
▲ 0.50% · 4.625%
HK$5,362
+HK$269/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$10,186/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,212
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,374
−HK$165/mo
Today · 4.125%
HK$5,539
baseline
▲ 0.50% · 4.625%
HK$5,876
+HK$337/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,078/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,799
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,954
−HK$158/mo
Today · 4.125%
HK$6,112
baseline
▲ 0.50% · 4.625%
HK$6,434
+HK$322/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,224/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,081
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,270
−HK$192/mo
Today · 4.125%
HK$6,462
baseline
▲ 0.50% · 4.625%
HK$6,855
+HK$393/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,924/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$6,765
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,946
−HK$184/mo
Today · 4.125%
HK$7,130
baseline
▲ 0.50% · 4.625%
HK$7,506
+HK$376/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,260/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$7,818
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,061
−HK$248/mo
Today · 4.125%
HK$8,309
baseline
▲ 0.50% · 4.625%
HK$8,814
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,618/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$8,698
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,931
−HK$237/mo
Today · 4.125%
HK$9,168
baseline
▲ 0.50% · 4.625%
HK$9,651
+HK$483/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,336/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).