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$4,384
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,520
−HK$139/mo
Today · 4.125%
HK$4,659
baseline
▲ 0.50% · 4.625%
HK$4,942
+HK$283/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$9,318/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$4,877
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,008
−HK$132/mo
Today · 4.125%
HK$5,140
baseline
▲ 0.50% · 4.625%
HK$5,411
+HK$271/mo
Deposit HK$961K · loan HK$961K · min. income ≈ HK$10,280/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$5,260
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,424
−HK$166/mo
Today · 4.125%
HK$5,590
baseline
▲ 0.50% · 4.625%
HK$5,930
+HK$340/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$11,180/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$5,852
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,009
−HK$159/mo
Today · 4.125%
HK$6,168
baseline
▲ 0.50% · 4.625%
HK$6,494
+HK$326/mo
Deposit HK$769K · loan HK$1.15M · min. income ≈ HK$12,336/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$6,137
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,328
−HK$194/mo
Today · 4.125%
HK$6,522
baseline
▲ 0.50% · 4.625%
HK$6,919
+HK$397/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$13,044/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$6,828
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,011
−HK$185/mo
Today · 4.125%
HK$7,196
baseline
▲ 0.50% · 4.625%
HK$7,576
+HK$380/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$14,392/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$7,891
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,136
−HK$249/mo
Today · 4.125%
HK$8,385
baseline
▲ 0.50% · 4.625%
HK$8,896
+HK$511/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,770/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$8,778
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,014
−HK$239/mo
Today · 4.125%
HK$9,253
baseline
▲ 0.50% · 4.625%
HK$9,740
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,506/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).