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$4,356
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,491
−HK$138/mo
Today · 4.125%
HK$4,629
baseline
▲ 0.50% · 4.625%
HK$4,910
+HK$281/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$9,258/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,845
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,975
−HK$132/mo
Today · 4.125%
HK$5,107
baseline
▲ 0.50% · 4.625%
HK$5,376
+HK$269/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$10,214/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,227
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,389
−HK$165/mo
Today · 4.125%
HK$5,554
baseline
▲ 0.50% · 4.625%
HK$5,892
+HK$338/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$11,108/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,815
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,971
−HK$158/mo
Today · 4.125%
HK$6,129
baseline
▲ 0.50% · 4.625%
HK$6,452
+HK$323/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$12,258/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,098
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,287
−HK$193/mo
Today · 4.125%
HK$6,480
baseline
▲ 0.50% · 4.625%
HK$6,874
+HK$394/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$12,960/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,784
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,966
−HK$184/mo
Today · 4.125%
HK$7,150
baseline
▲ 0.50% · 4.625%
HK$7,527
+HK$377/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$14,300/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,840
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,084
−HK$248/mo
Today · 4.125%
HK$8,332
baseline
▲ 0.50% · 4.625%
HK$8,839
+HK$507/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,664/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,722
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,956
−HK$237/mo
Today · 4.125%
HK$9,193
baseline
▲ 0.50% · 4.625%
HK$9,678
+HK$485/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,386/mo (50% DSR)
Upfront cash ≈ HK$191K (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).