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$4,418
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,555
−HK$140/mo
Today · 4.125%
HK$4,695
baseline
▲ 0.50% · 4.625%
HK$4,981
+HK$286/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$9,390/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,915
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,047
−HK$134/mo
Today · 4.125%
HK$5,181
baseline
▲ 0.50% · 4.625%
HK$5,454
+HK$273/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$10,362/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,302
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,467
−HK$167/mo
Today · 4.125%
HK$5,634
baseline
▲ 0.50% · 4.625%
HK$5,977
+HK$343/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$11,268/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,898
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,056
−HK$161/mo
Today · 4.125%
HK$6,217
baseline
▲ 0.50% · 4.625%
HK$6,544
+HK$327/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$12,434/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,185
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,378
−HK$195/mo
Today · 4.125%
HK$6,573
baseline
▲ 0.50% · 4.625%
HK$6,973
+HK$400/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$13,146/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,881
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,066
−HK$187/mo
Today · 4.125%
HK$7,253
baseline
▲ 0.50% · 4.625%
HK$7,635
+HK$382/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$14,506/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,952
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$251/mo
Today · 4.125%
HK$8,451
baseline
▲ 0.50% · 4.625%
HK$8,965
+HK$514/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,902/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,847
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,084
−HK$241/mo
Today · 4.125%
HK$9,325
baseline
▲ 0.50% · 4.625%
HK$9,817
+HK$492/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,650/mo (50% DSR)
Upfront cash ≈ HK$194K (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).