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$4,264
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,397
−HK$135/mo
Today · 4.125%
HK$4,532
baseline
▲ 0.50% · 4.625%
HK$4,808
+HK$276/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$9,064/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,744
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,871
−HK$129/mo
Today · 4.125%
HK$5,000
baseline
▲ 0.50% · 4.625%
HK$5,264
+HK$264/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$10,000/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,117
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,276
−HK$162/mo
Today · 4.125%
HK$5,438
baseline
▲ 0.50% · 4.625%
HK$5,769
+HK$331/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$10,876/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,693
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$154/mo
Today · 4.125%
HK$6,000
baseline
▲ 0.50% · 4.625%
HK$6,317
+HK$317/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$12,000/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,970
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,156
−HK$188/mo
Today · 4.125%
HK$6,344
baseline
▲ 0.50% · 4.625%
HK$6,731
+HK$387/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$12,688/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,642
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,820
−HK$181/mo
Today · 4.125%
HK$7,001
baseline
▲ 0.50% · 4.625%
HK$7,370
+HK$369/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$14,002/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,676
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,915
−HK$242/mo
Today · 4.125%
HK$8,157
baseline
▲ 0.50% · 4.625%
HK$8,654
+HK$497/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,314/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,539
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,768
−HK$233/mo
Today · 4.125%
HK$9,001
baseline
▲ 0.50% · 4.625%
HK$9,475
+HK$474/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$18,002/mo (50% DSR)
Upfront cash ≈ HK$187K (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).