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$4,370
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,506
−HK$139/mo
Today · 4.125%
HK$4,645
baseline
▲ 0.50% · 4.625%
HK$4,927
+HK$282/mo
Deposit HK$958K · loan HK$958K · min. income ≈ HK$9,290/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,862
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,992
−HK$133/mo
Today · 4.125%
HK$5,125
baseline
▲ 0.50% · 4.625%
HK$5,395
+HK$270/mo
Deposit HK$958K · loan HK$958K · min. income ≈ HK$10,250/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,245
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,408
−HK$165/mo
Today · 4.125%
HK$5,573
baseline
▲ 0.50% · 4.625%
HK$5,913
+HK$340/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$11,146/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,835
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,991
−HK$159/mo
Today · 4.125%
HK$6,150
baseline
▲ 0.50% · 4.625%
HK$6,474
+HK$324/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$12,300/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,119
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,309
−HK$193/mo
Today · 4.125%
HK$6,502
baseline
▲ 0.50% · 4.625%
HK$6,898
+HK$396/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$13,004/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,807
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,989
−HK$186/mo
Today · 4.125%
HK$7,175
baseline
▲ 0.50% · 4.625%
HK$7,553
+HK$378/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$14,350/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,867
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,112
−HK$248/mo
Today · 4.125%
HK$8,360
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$509/mo
Deposit HK$192K · loan HK$1.72M · min. income ≈ HK$16,720/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,752
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,986
−HK$239/mo
Today · 4.125%
HK$9,225
baseline
▲ 0.50% · 4.625%
HK$9,711
+HK$486/mo
Deposit HK$192K · loan HK$1.72M · min. income ≈ HK$18,450/mo (50% DSR)
Upfront cash ≈ HK$192K (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).