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$4,392
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,529
−HK$138/mo
Today · 4.125%
HK$4,667
baseline
▲ 0.50% · 4.625%
HK$4,952
+HK$285/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$9,334/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,886
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,017
−HK$133/mo
Today · 4.125%
HK$5,150
baseline
▲ 0.50% · 4.625%
HK$5,422
+HK$272/mo
Deposit HK$963K · loan HK$963K · min. income ≈ HK$10,300/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,270
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,434
−HK$167/mo
Today · 4.125%
HK$5,601
baseline
▲ 0.50% · 4.625%
HK$5,942
+HK$341/mo
Deposit HK$770K · loan HK$1.16M · min. income ≈ HK$11,202/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,863
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,021
−HK$159/mo
Today · 4.125%
HK$6,180
baseline
▲ 0.50% · 4.625%
HK$6,506
+HK$326/mo
Deposit HK$770K · loan HK$1.16M · min. income ≈ HK$12,360/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,149
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,340
−HK$194/mo
Today · 4.125%
HK$6,534
baseline
▲ 0.50% · 4.625%
HK$6,932
+HK$398/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$13,068/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,841
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,024
−HK$186/mo
Today · 4.125%
HK$7,210
baseline
▲ 0.50% · 4.625%
HK$7,590
+HK$380/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$14,420/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,906
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,152
−HK$249/mo
Today · 4.125%
HK$8,401
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$512/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$16,802/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,795
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$239/mo
Today · 4.125%
HK$9,270
baseline
▲ 0.50% · 4.625%
HK$9,759
+HK$489/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$18,540/mo (50% DSR)
Upfront cash ≈ HK$193K (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).