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$4,300
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,434
−HK$135/mo
Today · 4.125%
HK$4,569
baseline
▲ 0.50% · 4.625%
HK$4,847
+HK$278/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$9,138/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,784
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,912
−HK$130/mo
Today · 4.125%
HK$5,042
baseline
▲ 0.50% · 4.625%
HK$5,308
+HK$266/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$10,084/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,160
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,320
−HK$163/mo
Today · 4.125%
HK$5,483
baseline
▲ 0.50% · 4.625%
HK$5,817
+HK$334/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$10,966/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,740
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,894
−HK$156/mo
Today · 4.125%
HK$6,050
baseline
▲ 0.50% · 4.625%
HK$6,369
+HK$319/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$12,100/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,020
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,207
−HK$190/mo
Today · 4.125%
HK$6,397
baseline
▲ 0.50% · 4.625%
HK$6,786
+HK$389/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,794/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,697
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,877
−HK$182/mo
Today · 4.125%
HK$7,059
baseline
▲ 0.50% · 4.625%
HK$7,431
+HK$372/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,118/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,740
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,980
−HK$245/mo
Today · 4.125%
HK$8,225
baseline
▲ 0.50% · 4.625%
HK$8,725
+HK$500/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,450/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,610
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,841
−HK$235/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$478/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,152/mo (50% DSR)
Upfront cash ≈ HK$189K (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).