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$4,362
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,497
−HK$138/mo
Today · 4.125%
HK$4,635
baseline
▲ 0.50% · 4.625%
HK$4,917
+HK$282/mo
Deposit HK$956K · loan HK$956K · min. income ≈ HK$9,270/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,852
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,982
−HK$132/mo
Today · 4.125%
HK$5,114
baseline
▲ 0.50% · 4.625%
HK$5,384
+HK$270/mo
Deposit HK$956K · loan HK$956K · min. income ≈ HK$10,228/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,234
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,397
−HK$165/mo
Today · 4.125%
HK$5,562
baseline
▲ 0.50% · 4.625%
HK$5,901
+HK$339/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$11,124/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$5,823
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,979
−HK$158/mo
Today · 4.125%
HK$6,137
baseline
▲ 0.50% · 4.625%
HK$6,461
+HK$324/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$12,274/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$6,106
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$193/mo
Today · 4.125%
HK$6,489
baseline
▲ 0.50% · 4.625%
HK$6,884
+HK$395/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$12,978/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$6,793
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$185/mo
Today · 4.125%
HK$7,160
baseline
▲ 0.50% · 4.625%
HK$7,538
+HK$378/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$14,320/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$7,851
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,095
−HK$248/mo
Today · 4.125%
HK$8,343
baseline
▲ 0.50% · 4.625%
HK$8,851
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,686/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$8,734
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,968
−HK$238/mo
Today · 4.125%
HK$9,206
baseline
▲ 0.50% · 4.625%
HK$9,691
+HK$485/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,412/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).