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$4,310
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,444
−HK$136/mo
Today · 4.125%
HK$4,580
baseline
▲ 0.50% · 4.625%
HK$4,859
+HK$279/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$9,160/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$259/mo
▼ 0.25% · 3.875%
HK$4,923
−HK$131/mo
Today · 4.125%
HK$5,054
baseline
▲ 0.50% · 4.625%
HK$5,320
+HK$266/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$10,108/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$5,172
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,333
−HK$163/mo
Today · 4.125%
HK$5,496
baseline
▲ 0.50% · 4.625%
HK$5,831
+HK$335/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$10,992/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$5,754
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,908
−HK$157/mo
Today · 4.125%
HK$6,065
baseline
▲ 0.50% · 4.625%
HK$6,384
+HK$319/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$6,034
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,222
−HK$190/mo
Today · 4.125%
HK$6,412
baseline
▲ 0.50% · 4.625%
HK$6,803
+HK$391/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,824/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$6,713
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$182/mo
Today · 4.125%
HK$7,075
baseline
▲ 0.50% · 4.625%
HK$7,448
+HK$373/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,150/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$7,758
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,999
−HK$245/mo
Today · 4.125%
HK$8,244
baseline
▲ 0.50% · 4.625%
HK$8,746
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,488/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$8,631
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,862
−HK$235/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,576
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,194/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).