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$4,351
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,486
−HK$138/mo
Today · 4.125%
HK$4,624
baseline
▲ 0.50% · 4.625%
HK$4,905
+HK$281/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$9,248/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$4,841
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,970
−HK$132/mo
Today · 4.125%
HK$5,102
baseline
▲ 0.50% · 4.625%
HK$5,371
+HK$269/mo
Deposit HK$954K · loan HK$954K · min. income ≈ HK$10,204/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$5,221
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,384
−HK$165/mo
Today · 4.125%
HK$5,549
baseline
▲ 0.50% · 4.625%
HK$5,886
+HK$337/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$11,098/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$5,809
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,964
−HK$158/mo
Today · 4.125%
HK$6,122
baseline
▲ 0.50% · 4.625%
HK$6,445
+HK$323/mo
Deposit HK$763K · loan HK$1.14M · min. income ≈ HK$12,244/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$6,092
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,281
−HK$193/mo
Today · 4.125%
HK$6,474
baseline
▲ 0.50% · 4.625%
HK$6,867
+HK$393/mo
Deposit HK$572K · loan HK$1.34M · min. income ≈ HK$12,948/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,777
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$185/mo
Today · 4.125%
HK$7,143
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$376/mo
Deposit HK$572K · loan HK$1.34M · min. income ≈ HK$14,286/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,832
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,076
−HK$247/mo
Today · 4.125%
HK$8,323
baseline
▲ 0.50% · 4.625%
HK$8,830
+HK$507/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,646/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$8,713
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,947
−HK$237/mo
Today · 4.125%
HK$9,184
baseline
▲ 0.50% · 4.625%
HK$9,668
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,368/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).