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$4,330
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,465
−HK$137/mo
Today · 4.125%
HK$4,602
baseline
▲ 0.50% · 4.625%
HK$4,882
+HK$280/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$9,204/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,817
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,946
−HK$131/mo
Today · 4.125%
HK$5,077
baseline
▲ 0.50% · 4.625%
HK$5,345
+HK$268/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$10,154/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,196
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,358
−HK$164/mo
Today · 4.125%
HK$5,522
baseline
▲ 0.50% · 4.625%
HK$5,858
+HK$336/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$11,044/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,781
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,936
−HK$157/mo
Today · 4.125%
HK$6,093
baseline
▲ 0.50% · 4.625%
HK$6,414
+HK$321/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$12,186/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,062
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,251
−HK$191/mo
Today · 4.125%
HK$6,442
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$392/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,884/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,744
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,925
−HK$183/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,483
+HK$375/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,216/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,794
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$246/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,787
+HK$504/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,566/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,671
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,903
−HK$236/mo
Today · 4.125%
HK$9,139
baseline
▲ 0.50% · 4.625%
HK$9,621
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,278/mo (50% DSR)
Upfront cash ≈ HK$190K (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).