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$4,412
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,549
−HK$140/mo
Today · 4.125%
HK$4,689
baseline
▲ 0.50% · 4.625%
HK$4,974
+HK$285/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$9,378/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,909
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,040
−HK$134/mo
Today · 4.125%
HK$5,174
baseline
▲ 0.50% · 4.625%
HK$5,446
+HK$272/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$10,348/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,295
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,459
−HK$168/mo
Today · 4.125%
HK$5,627
baseline
▲ 0.50% · 4.625%
HK$5,969
+HK$342/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$11,254/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,890
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,048
−HK$160/mo
Today · 4.125%
HK$6,208
baseline
▲ 0.50% · 4.625%
HK$6,536
+HK$328/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$12,416/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,177
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,369
−HK$195/mo
Today · 4.125%
HK$6,564
baseline
▲ 0.50% · 4.625%
HK$6,964
+HK$400/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$13,128/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,872
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,056
−HK$187/mo
Today · 4.125%
HK$7,243
baseline
▲ 0.50% · 4.625%
HK$7,625
+HK$382/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$14,486/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,942
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,189
−HK$251/mo
Today · 4.125%
HK$8,440
baseline
▲ 0.50% · 4.625%
HK$8,954
+HK$514/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,880/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,835
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,072
−HK$241/mo
Today · 4.125%
HK$9,313
baseline
▲ 0.50% · 4.625%
HK$9,804
+HK$491/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,626/mo (50% DSR)
Upfront cash ≈ HK$194K (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).