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$4,334
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,468
−HK$137/mo
Today · 4.125%
HK$4,605
baseline
▲ 0.50% · 4.625%
HK$4,886
+HK$281/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$9,210/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,821
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,950
−HK$132/mo
Today · 4.125%
HK$5,082
baseline
▲ 0.50% · 4.625%
HK$5,349
+HK$267/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$10,164/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,200
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,362
−HK$164/mo
Today · 4.125%
HK$5,526
baseline
▲ 0.50% · 4.625%
HK$5,863
+HK$337/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$11,052/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,785
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,940
−HK$158/mo
Today · 4.125%
HK$6,098
baseline
▲ 0.50% · 4.625%
HK$6,419
+HK$321/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$12,196/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,067
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,256
−HK$191/mo
Today · 4.125%
HK$6,447
baseline
▲ 0.50% · 4.625%
HK$6,840
+HK$393/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,894/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,749
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,930
−HK$184/mo
Today · 4.125%
HK$7,114
baseline
▲ 0.50% · 4.625%
HK$7,489
+HK$375/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,228/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,800
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,043
−HK$247/mo
Today · 4.125%
HK$8,290
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$504/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,580/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,678
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,911
−HK$236/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,294/mo (50% DSR)
Upfront cash ≈ HK$190K (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).