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$4,309
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,443
−HK$137/mo
Today · 4.125%
HK$4,580
baseline
▲ 0.50% · 4.625%
HK$4,858
+HK$278/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$9,160/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,794
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,923
−HK$130/mo
Today · 4.125%
HK$5,053
baseline
▲ 0.50% · 4.625%
HK$5,320
+HK$267/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$10,106/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,171
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,332
−HK$164/mo
Today · 4.125%
HK$5,496
baseline
▲ 0.50% · 4.625%
HK$5,830
+HK$334/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$10,992/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,753
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,907
−HK$157/mo
Today · 4.125%
HK$6,064
baseline
▲ 0.50% · 4.625%
HK$6,383
+HK$319/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$12,128/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,033
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,221
−HK$190/mo
Today · 4.125%
HK$6,411
baseline
▲ 0.50% · 4.625%
HK$6,802
+HK$391/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,822/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,712
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,892
−HK$182/mo
Today · 4.125%
HK$7,074
baseline
▲ 0.50% · 4.625%
HK$7,447
+HK$373/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,148/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,757
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,998
−HK$245/mo
Today · 4.125%
HK$8,243
baseline
▲ 0.50% · 4.625%
HK$8,745
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,486/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,629
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,861
−HK$235/mo
Today · 4.125%
HK$9,096
baseline
▲ 0.50% · 4.625%
HK$9,575
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,192/mo (50% DSR)
Upfront cash ≈ HK$189K (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).