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$4,394
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,530
−HK$139/mo
Today · 4.125%
HK$4,669
baseline
▲ 0.50% · 4.625%
HK$4,953
+HK$284/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$9,338/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,888
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,019
−HK$133/mo
Today · 4.125%
HK$5,152
baseline
▲ 0.50% · 4.625%
HK$5,424
+HK$272/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$10,304/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,273
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,437
−HK$166/mo
Today · 4.125%
HK$5,603
baseline
▲ 0.50% · 4.625%
HK$5,944
+HK$341/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$11,206/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$5,866
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,023
−HK$160/mo
Today · 4.125%
HK$6,183
baseline
▲ 0.50% · 4.625%
HK$6,508
+HK$325/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$12,366/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$6,151
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,343
−HK$194/mo
Today · 4.125%
HK$6,537
baseline
▲ 0.50% · 4.625%
HK$6,935
+HK$398/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$13,074/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$6,843
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,027
−HK$186/mo
Today · 4.125%
HK$7,213
baseline
▲ 0.50% · 4.625%
HK$7,593
+HK$380/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$14,426/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$7,909
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$250/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,916
+HK$511/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$16,810/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$8,798
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,034
−HK$240/mo
Today · 4.125%
HK$9,274
baseline
▲ 0.50% · 4.625%
HK$9,763
+HK$489/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$18,548/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).