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$4,416
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,553
−HK$140/mo
Today · 4.125%
HK$4,693
baseline
▲ 0.50% · 4.625%
HK$4,979
+HK$286/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$9,386/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,913
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,045
−HK$133/mo
Today · 4.125%
HK$5,178
baseline
▲ 0.50% · 4.625%
HK$5,451
+HK$273/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$10,356/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,299
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,464
−HK$168/mo
Today · 4.125%
HK$5,632
baseline
▲ 0.50% · 4.625%
HK$5,974
+HK$342/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$11,264/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,895
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,054
−HK$160/mo
Today · 4.125%
HK$6,214
baseline
▲ 0.50% · 4.625%
HK$6,542
+HK$328/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$12,428/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,183
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,375
−HK$195/mo
Today · 4.125%
HK$6,570
baseline
▲ 0.50% · 4.625%
HK$6,970
+HK$400/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$13,140/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,878
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$187/mo
Today · 4.125%
HK$7,250
baseline
▲ 0.50% · 4.625%
HK$7,632
+HK$382/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$14,500/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,949
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,196
−HK$251/mo
Today · 4.125%
HK$8,447
baseline
▲ 0.50% · 4.625%
HK$8,962
+HK$515/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,894/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,843
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,080
−HK$241/mo
Today · 4.125%
HK$9,321
baseline
▲ 0.50% · 4.625%
HK$9,812
+HK$491/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,642/mo (50% DSR)
Upfront cash ≈ HK$194K (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).