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$4,420
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,558
−HK$139/mo
Today · 4.125%
HK$4,697
baseline
▲ 0.50% · 4.625%
HK$4,983
+HK$286/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$9,394/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,917
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,049
−HK$134/mo
Today · 4.125%
HK$5,183
baseline
▲ 0.50% · 4.625%
HK$5,456
+HK$273/mo
Deposit HK$969K · loan HK$969K · min. income ≈ HK$10,366/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,304
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,469
−HK$168/mo
Today · 4.125%
HK$5,637
baseline
▲ 0.50% · 4.625%
HK$5,980
+HK$343/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$11,274/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$5,901
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,059
−HK$161/mo
Today · 4.125%
HK$6,220
baseline
▲ 0.50% · 4.625%
HK$6,548
+HK$328/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$12,440/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$6,188
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,381
−HK$195/mo
Today · 4.125%
HK$6,576
baseline
▲ 0.50% · 4.625%
HK$6,977
+HK$401/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$13,152/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,884
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,069
−HK$187/mo
Today · 4.125%
HK$7,256
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$383/mo
Deposit HK$582K · loan HK$1.36M · min. income ≈ HK$14,512/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,956
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,204
−HK$251/mo
Today · 4.125%
HK$8,455
baseline
▲ 0.50% · 4.625%
HK$8,970
+HK$515/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,910/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$8,851
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,089
−HK$241/mo
Today · 4.125%
HK$9,330
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$491/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,660/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).