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$4,382
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,518
−HK$139/mo
Today · 4.125%
HK$4,657
baseline
▲ 0.50% · 4.625%
HK$4,940
+HK$283/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$9,314/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,875
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,005
−HK$133/mo
Today · 4.125%
HK$5,138
baseline
▲ 0.50% · 4.625%
HK$5,409
+HK$271/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$10,276/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,258
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,422
−HK$166/mo
Today · 4.125%
HK$5,588
baseline
▲ 0.50% · 4.625%
HK$5,928
+HK$340/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$11,176/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,850
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,006
−HK$160/mo
Today · 4.125%
HK$6,166
baseline
▲ 0.50% · 4.625%
HK$6,491
+HK$325/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$12,332/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,134
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,325
−HK$194/mo
Today · 4.125%
HK$6,519
baseline
▲ 0.50% · 4.625%
HK$6,916
+HK$397/mo
Deposit HK$576K · loan HK$1.35M · min. income ≈ HK$13,038/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,825
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,008
−HK$185/mo
Today · 4.125%
HK$7,193
baseline
▲ 0.50% · 4.625%
HK$7,572
+HK$379/mo
Deposit HK$576K · loan HK$1.35M · min. income ≈ HK$14,386/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,887
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,132
−HK$250/mo
Today · 4.125%
HK$8,382
baseline
▲ 0.50% · 4.625%
HK$8,892
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,764/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,774
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,010
−HK$238/mo
Today · 4.125%
HK$9,248
baseline
▲ 0.50% · 4.625%
HK$9,736
+HK$488/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,496/mo (50% DSR)
Upfront cash ≈ HK$192K (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).