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$4,362
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,498
−HK$138/mo
Today · 4.125%
HK$4,636
baseline
▲ 0.50% · 4.625%
HK$4,918
+HK$282/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$9,272/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,853
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,983
−HK$132/mo
Today · 4.125%
HK$5,115
baseline
▲ 0.50% · 4.625%
HK$5,385
+HK$270/mo
Deposit HK$957K · loan HK$957K · min. income ≈ HK$10,230/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,235
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,398
−HK$165/mo
Today · 4.125%
HK$5,563
baseline
▲ 0.50% · 4.625%
HK$5,901
+HK$338/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$11,126/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,824
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,980
−HK$158/mo
Today · 4.125%
HK$6,138
baseline
▲ 0.50% · 4.625%
HK$6,462
+HK$324/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$12,276/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,107
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,297
−HK$193/mo
Today · 4.125%
HK$6,490
baseline
▲ 0.50% · 4.625%
HK$6,885
+HK$395/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$12,980/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,794
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,976
−HK$185/mo
Today · 4.125%
HK$7,161
baseline
▲ 0.50% · 4.625%
HK$7,539
+HK$378/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$14,322/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,852
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$248/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,852
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,688/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$8,735
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,970
−HK$237/mo
Today · 4.125%
HK$9,207
baseline
▲ 0.50% · 4.625%
HK$9,693
+HK$486/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,414/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).