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$4,408
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,545
−HK$140/mo
Today · 4.125%
HK$4,685
baseline
▲ 0.50% · 4.625%
HK$4,970
+HK$285/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$9,370/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,904
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,036
−HK$133/mo
Today · 4.125%
HK$5,169
baseline
▲ 0.50% · 4.625%
HK$5,442
+HK$273/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$10,338/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,290
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,454
−HK$168/mo
Today · 4.125%
HK$5,622
baseline
▲ 0.50% · 4.625%
HK$5,964
+HK$342/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$11,244/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,885
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,043
−HK$160/mo
Today · 4.125%
HK$6,203
baseline
▲ 0.50% · 4.625%
HK$6,530
+HK$327/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$12,406/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,172
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,363
−HK$196/mo
Today · 4.125%
HK$6,559
baseline
▲ 0.50% · 4.625%
HK$6,958
+HK$399/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$13,118/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,866
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,050
−HK$187/mo
Today · 4.125%
HK$7,237
baseline
▲ 0.50% · 4.625%
HK$7,618
+HK$381/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$14,474/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,935
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,182
−HK$250/mo
Today · 4.125%
HK$8,432
baseline
▲ 0.50% · 4.625%
HK$8,945
+HK$513/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,864/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$8,827
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,064
−HK$240/mo
Today · 4.125%
HK$9,304
baseline
▲ 0.50% · 4.625%
HK$9,795
+HK$491/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,608/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).