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$4,346
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,481
−HK$137/mo
Today · 4.125%
HK$4,618
baseline
▲ 0.50% · 4.625%
HK$4,899
+HK$281/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$9,236/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,834
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,964
−HK$132/mo
Today · 4.125%
HK$5,096
baseline
▲ 0.50% · 4.625%
HK$5,364
+HK$268/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$10,192/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,215
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$165/mo
Today · 4.125%
HK$5,542
baseline
▲ 0.50% · 4.625%
HK$5,879
+HK$337/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,084/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,801
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,957
−HK$158/mo
Today · 4.125%
HK$6,115
baseline
▲ 0.50% · 4.625%
HK$6,437
+HK$322/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,230/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,084
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,273
−HK$192/mo
Today · 4.125%
HK$6,465
baseline
▲ 0.50% · 4.625%
HK$6,859
+HK$394/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$12,930/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,768
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,950
−HK$184/mo
Today · 4.125%
HK$7,134
baseline
▲ 0.50% · 4.625%
HK$7,510
+HK$376/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$14,268/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,822
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$248/mo
Today · 4.125%
HK$8,313
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$505/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,626/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$8,702
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$237/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$484/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,344/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).