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$4,380
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,517
−HK$138/mo
Today · 4.125%
HK$4,655
baseline
▲ 0.50% · 4.625%
HK$4,938
+HK$283/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$9,310/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,873
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,004
−HK$133/mo
Today · 4.125%
HK$5,137
baseline
▲ 0.50% · 4.625%
HK$5,407
+HK$270/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$10,274/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,257
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,420
−HK$166/mo
Today · 4.125%
HK$5,586
baseline
▲ 0.50% · 4.625%
HK$5,926
+HK$340/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,172/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,848
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,005
−HK$159/mo
Today · 4.125%
HK$6,164
baseline
▲ 0.50% · 4.625%
HK$6,489
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,328/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,133
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,323
−HK$194/mo
Today · 4.125%
HK$6,517
baseline
▲ 0.50% · 4.625%
HK$6,914
+HK$397/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,034/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,823
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,005
−HK$186/mo
Today · 4.125%
HK$7,191
baseline
▲ 0.50% · 4.625%
HK$7,570
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,382/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,885
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,130
−HK$249/mo
Today · 4.125%
HK$8,379
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,758/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,772
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,007
−HK$239/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,733
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,492/mo (50% DSR)
Upfront cash ≈ HK$192K (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).