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$4,391
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,528
−HK$139/mo
Today · 4.125%
HK$4,667
baseline
▲ 0.50% · 4.625%
HK$4,950
+HK$283/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$9,334/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,885
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,016
−HK$133/mo
Today · 4.125%
HK$5,149
baseline
▲ 0.50% · 4.625%
HK$5,420
+HK$271/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$10,298/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,269
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,433
−HK$167/mo
Today · 4.125%
HK$5,600
baseline
▲ 0.50% · 4.625%
HK$5,941
+HK$341/mo
Deposit HK$770K · loan HK$1.16M · min. income ≈ HK$11,200/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,862
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,019
−HK$160/mo
Today · 4.125%
HK$6,179
baseline
▲ 0.50% · 4.625%
HK$6,505
+HK$326/mo
Deposit HK$770K · loan HK$1.16M · min. income ≈ HK$12,358/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,148
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,339
−HK$194/mo
Today · 4.125%
HK$6,533
baseline
▲ 0.50% · 4.625%
HK$6,931
+HK$398/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$13,066/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$6,839
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$186/mo
Today · 4.125%
HK$7,209
baseline
▲ 0.50% · 4.625%
HK$7,589
+HK$380/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$14,418/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$7,904
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$250/mo
Today · 4.125%
HK$8,400
baseline
▲ 0.50% · 4.625%
HK$8,911
+HK$511/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$16,800/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$8,793
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$239/mo
Today · 4.125%
HK$9,268
baseline
▲ 0.50% · 4.625%
HK$9,757
+HK$489/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$18,536/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).