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$4,316
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,450
−HK$136/mo
Today · 4.125%
HK$4,586
baseline
▲ 0.50% · 4.625%
HK$4,866
+HK$280/mo
Deposit HK$946K · loan HK$946K · min. income ≈ HK$9,172/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,801
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,930
−HK$131/mo
Today · 4.125%
HK$5,061
baseline
▲ 0.50% · 4.625%
HK$5,327
+HK$266/mo
Deposit HK$946K · loan HK$946K · min. income ≈ HK$10,122/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,179
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,340
−HK$164/mo
Today · 4.125%
HK$5,504
baseline
▲ 0.50% · 4.625%
HK$5,839
+HK$335/mo
Deposit HK$757K · loan HK$1.14M · min. income ≈ HK$11,008/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,762
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,916
−HK$157/mo
Today · 4.125%
HK$6,073
baseline
▲ 0.50% · 4.625%
HK$6,393
+HK$320/mo
Deposit HK$757K · loan HK$1.14M · min. income ≈ HK$12,146/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,042
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,230
−HK$191/mo
Today · 4.125%
HK$6,421
baseline
▲ 0.50% · 4.625%
HK$6,812
+HK$391/mo
Deposit HK$568K · loan HK$1.32M · min. income ≈ HK$12,842/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,722
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$183/mo
Today · 4.125%
HK$7,085
baseline
▲ 0.50% · 4.625%
HK$7,458
+HK$373/mo
Deposit HK$568K · loan HK$1.32M · min. income ≈ HK$14,170/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,768
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,010
−HK$246/mo
Today · 4.125%
HK$8,256
baseline
▲ 0.50% · 4.625%
HK$8,758
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,512/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$8,642
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,874
−HK$235/mo
Today · 4.125%
HK$9,109
baseline
▲ 0.50% · 4.625%
HK$9,589
+HK$480/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,218/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).