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$4,291
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,424
−HK$136/mo
Today · 4.125%
HK$4,560
baseline
▲ 0.50% · 4.625%
HK$4,837
+HK$277/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$9,120/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,774
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,902
−HK$130/mo
Today · 4.125%
HK$5,032
baseline
▲ 0.50% · 4.625%
HK$5,297
+HK$265/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$10,064/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,149
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,309
−HK$163/mo
Today · 4.125%
HK$5,472
baseline
▲ 0.50% · 4.625%
HK$5,805
+HK$333/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$10,944/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,728
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,882
−HK$156/mo
Today · 4.125%
HK$6,038
baseline
▲ 0.50% · 4.625%
HK$6,356
+HK$318/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$12,076/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,007
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,194
−HK$190/mo
Today · 4.125%
HK$6,384
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$388/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$12,768/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,683
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,862
−HK$182/mo
Today · 4.125%
HK$7,044
baseline
▲ 0.50% · 4.625%
HK$7,415
+HK$371/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$14,088/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,724
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,964
−HK$244/mo
Today · 4.125%
HK$8,208
baseline
▲ 0.50% · 4.625%
HK$8,707
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,416/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$8,593
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,823
−HK$234/mo
Today · 4.125%
HK$9,057
baseline
▲ 0.50% · 4.625%
HK$9,534
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,114/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).