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$4,284
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,417
−HK$136/mo
Today · 4.125%
HK$4,553
baseline
▲ 0.50% · 4.625%
HK$4,830
+HK$277/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$9,106/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,766
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,894
−HK$130/mo
Today · 4.125%
HK$5,024
baseline
▲ 0.50% · 4.625%
HK$5,288
+HK$264/mo
Deposit HK$939K · loan HK$939K · min. income ≈ HK$10,048/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,141
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,301
−HK$162/mo
Today · 4.125%
HK$5,463
baseline
▲ 0.50% · 4.625%
HK$5,796
+HK$333/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$10,926/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,719
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,873
−HK$155/mo
Today · 4.125%
HK$6,028
baseline
▲ 0.50% · 4.625%
HK$6,346
+HK$318/mo
Deposit HK$752K · loan HK$1.13M · min. income ≈ HK$12,056/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,998
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,184
−HK$190/mo
Today · 4.125%
HK$6,374
baseline
▲ 0.50% · 4.625%
HK$6,762
+HK$388/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$12,748/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,672
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$182/mo
Today · 4.125%
HK$7,033
baseline
▲ 0.50% · 4.625%
HK$7,404
+HK$371/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$14,066/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,711
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,951
−HK$244/mo
Today · 4.125%
HK$8,195
baseline
▲ 0.50% · 4.625%
HK$8,694
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,390/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,579
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,809
−HK$233/mo
Today · 4.125%
HK$9,042
baseline
▲ 0.50% · 4.625%
HK$9,519
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,084/mo (50% DSR)
Upfront cash ≈ HK$188K (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).