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$4,393
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,530
−HK$138/mo
Today · 4.125%
HK$4,668
baseline
▲ 0.50% · 4.625%
HK$4,952
+HK$284/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$9,336/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,887
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,018
−HK$133/mo
Today · 4.125%
HK$5,151
baseline
▲ 0.50% · 4.625%
HK$5,423
+HK$272/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$10,302/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,272
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,436
−HK$166/mo
Today · 4.125%
HK$5,602
baseline
▲ 0.50% · 4.625%
HK$5,943
+HK$341/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$11,204/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,865
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,022
−HK$159/mo
Today · 4.125%
HK$6,181
baseline
▲ 0.50% · 4.625%
HK$6,507
+HK$326/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$12,362/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,150
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,341
−HK$195/mo
Today · 4.125%
HK$6,536
baseline
▲ 0.50% · 4.625%
HK$6,933
+HK$397/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$13,072/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,842
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,025
−HK$187/mo
Today · 4.125%
HK$7,212
baseline
▲ 0.50% · 4.625%
HK$7,592
+HK$380/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$14,424/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,907
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,153
−HK$250/mo
Today · 4.125%
HK$8,403
baseline
▲ 0.50% · 4.625%
HK$8,914
+HK$511/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$16,806/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,797
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,033
−HK$239/mo
Today · 4.125%
HK$9,272
baseline
▲ 0.50% · 4.625%
HK$9,761
+HK$489/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$18,544/mo (50% DSR)
Upfront cash ≈ HK$193K (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).