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$4,349
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,484
−HK$138/mo
Today · 4.125%
HK$4,622
baseline
▲ 0.50% · 4.625%
HK$4,903
+HK$281/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$9,244/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,838
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,968
−HK$132/mo
Today · 4.125%
HK$5,100
baseline
▲ 0.50% · 4.625%
HK$5,369
+HK$269/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$10,200/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,219
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,381
−HK$165/mo
Today · 4.125%
HK$5,546
baseline
▲ 0.50% · 4.625%
HK$5,884
+HK$338/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$11,092/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,806
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,962
−HK$158/mo
Today · 4.125%
HK$6,120
baseline
▲ 0.50% · 4.625%
HK$6,442
+HK$322/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$12,240/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,089
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,278
−HK$193/mo
Today · 4.125%
HK$6,471
baseline
▲ 0.50% · 4.625%
HK$6,864
+HK$393/mo
Deposit HK$572K · loan HK$1.34M · min. income ≈ HK$12,942/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,774
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$185/mo
Today · 4.125%
HK$7,140
baseline
▲ 0.50% · 4.625%
HK$7,516
+HK$376/mo
Deposit HK$572K · loan HK$1.34M · min. income ≈ HK$14,280/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,829
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,072
−HK$247/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,826
+HK$507/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,638/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,709
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,943
−HK$237/mo
Today · 4.125%
HK$9,180
baseline
▲ 0.50% · 4.625%
HK$9,664
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,360/mo (50% DSR)
Upfront cash ≈ HK$191K (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).