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$4,283
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,417
−HK$135/mo
Today · 4.125%
HK$4,552
baseline
▲ 0.50% · 4.625%
HK$4,829
+HK$277/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$9,104/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,765
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$130/mo
Today · 4.125%
HK$5,023
baseline
▲ 0.50% · 4.625%
HK$5,288
+HK$265/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$10,046/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,140
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,300
−HK$162/mo
Today · 4.125%
HK$5,462
baseline
▲ 0.50% · 4.625%
HK$5,795
+HK$333/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$10,924/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$5,718
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,872
−HK$155/mo
Today · 4.125%
HK$6,027
baseline
▲ 0.50% · 4.625%
HK$6,345
+HK$318/mo
Deposit HK$751K · loan HK$1.13M · min. income ≈ HK$12,054/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$5,997
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,183
−HK$190/mo
Today · 4.125%
HK$6,373
baseline
▲ 0.50% · 4.625%
HK$6,761
+HK$388/mo
Deposit HK$564K · loan HK$1.31M · min. income ≈ HK$12,746/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$6,671
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,850
−HK$182/mo
Today · 4.125%
HK$7,032
baseline
▲ 0.50% · 4.625%
HK$7,403
+HK$371/mo
Deposit HK$564K · loan HK$1.31M · min. income ≈ HK$14,064/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$7,710
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,950
−HK$244/mo
Today · 4.125%
HK$8,194
baseline
▲ 0.50% · 4.625%
HK$8,692
+HK$498/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,388/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$8,578
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,808
−HK$233/mo
Today · 4.125%
HK$9,041
baseline
▲ 0.50% · 4.625%
HK$9,518
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,082/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).