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$4,311
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,445
−HK$136/mo
Today · 4.125%
HK$4,581
baseline
▲ 0.50% · 4.625%
HK$4,860
+HK$279/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$9,162/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$4,795
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,924
−HK$131/mo
Today · 4.125%
HK$5,055
baseline
▲ 0.50% · 4.625%
HK$5,321
+HK$266/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$10,110/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$5,173
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,334
−HK$163/mo
Today · 4.125%
HK$5,497
baseline
▲ 0.50% · 4.625%
HK$5,832
+HK$335/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$10,994/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$5,755
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,909
−HK$156/mo
Today · 4.125%
HK$6,065
baseline
▲ 0.50% · 4.625%
HK$6,385
+HK$320/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$12,130/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$6,035
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,223
−HK$190/mo
Today · 4.125%
HK$6,413
baseline
▲ 0.50% · 4.625%
HK$6,803
+HK$390/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,826/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$6,714
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,894
−HK$182/mo
Today · 4.125%
HK$7,076
baseline
▲ 0.50% · 4.625%
HK$7,449
+HK$373/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,152/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$7,759
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$246/mo
Today · 4.125%
HK$8,246
baseline
▲ 0.50% · 4.625%
HK$8,747
+HK$501/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,492/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$8,632
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,863
−HK$235/mo
Today · 4.125%
HK$9,098
baseline
▲ 0.50% · 4.625%
HK$9,578
+HK$480/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,196/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).