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$4,285
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,419
−HK$135/mo
Today · 4.125%
HK$4,554
baseline
▲ 0.50% · 4.625%
HK$4,831
+HK$277/mo
Deposit HK$940K · loan HK$940K · min. income ≈ HK$9,108/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,767
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,895
−HK$130/mo
Today · 4.125%
HK$5,025
baseline
▲ 0.50% · 4.625%
HK$5,290
+HK$265/mo
Deposit HK$940K · loan HK$940K · min. income ≈ HK$10,050/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,142
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,302
−HK$163/mo
Today · 4.125%
HK$5,465
baseline
▲ 0.50% · 4.625%
HK$5,797
+HK$332/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$10,930/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,721
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,874
−HK$156/mo
Today · 4.125%
HK$6,030
baseline
▲ 0.50% · 4.625%
HK$6,348
+HK$318/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$12,060/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,999
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,186
−HK$190/mo
Today · 4.125%
HK$6,376
baseline
▲ 0.50% · 4.625%
HK$6,764
+HK$388/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$12,752/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,674
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,853
−HK$182/mo
Today · 4.125%
HK$7,035
baseline
▲ 0.50% · 4.625%
HK$7,406
+HK$371/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$14,070/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,714
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,954
−HK$243/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,696
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,394/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,581
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$234/mo
Today · 4.125%
HK$9,045
baseline
▲ 0.50% · 4.625%
HK$9,522
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,090/mo (50% DSR)
Upfront cash ≈ HK$188K (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).