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$4,379
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,516
−HK$138/mo
Today · 4.125%
HK$4,654
baseline
▲ 0.50% · 4.625%
HK$4,937
+HK$283/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$9,308/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,872
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,003
−HK$132/mo
Today · 4.125%
HK$5,135
baseline
▲ 0.50% · 4.625%
HK$5,406
+HK$271/mo
Deposit HK$960K · loan HK$960K · min. income ≈ HK$10,270/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,255
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,419
−HK$166/mo
Today · 4.125%
HK$5,585
baseline
▲ 0.50% · 4.625%
HK$5,925
+HK$340/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$11,170/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,846
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,003
−HK$159/mo
Today · 4.125%
HK$6,162
baseline
▲ 0.50% · 4.625%
HK$6,487
+HK$325/mo
Deposit HK$768K · loan HK$1.15M · min. income ≈ HK$12,324/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,131
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,322
−HK$194/mo
Today · 4.125%
HK$6,516
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$396/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$13,032/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,821
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,004
−HK$185/mo
Today · 4.125%
HK$7,189
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$379/mo
Deposit HK$576K · loan HK$1.34M · min. income ≈ HK$14,378/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,883
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$249/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,887
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,754/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,770
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,005
−HK$238/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,731
+HK$488/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,486/mo (50% DSR)
Upfront cash ≈ HK$192K (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).