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$4,273
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,406
−HK$135/mo
Today · 4.125%
HK$4,541
baseline
▲ 0.50% · 4.625%
HK$4,817
+HK$276/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$9,082/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,754
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,881
−HK$130/mo
Today · 4.125%
HK$5,011
baseline
▲ 0.50% · 4.625%
HK$5,275
+HK$264/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$10,022/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,128
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,287
−HK$162/mo
Today · 4.125%
HK$5,449
baseline
▲ 0.50% · 4.625%
HK$5,781
+HK$332/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$10,898/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,705
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,858
−HK$155/mo
Today · 4.125%
HK$6,013
baseline
▲ 0.50% · 4.625%
HK$6,330
+HK$317/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$12,026/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,982
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,168
−HK$190/mo
Today · 4.125%
HK$6,358
baseline
▲ 0.50% · 4.625%
HK$6,744
+HK$386/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,716/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,655
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,834
−HK$181/mo
Today · 4.125%
HK$7,015
baseline
▲ 0.50% · 4.625%
HK$7,385
+HK$370/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,030/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,692
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,931
−HK$243/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,671
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,348/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$8,557
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$233/mo
Today · 4.125%
HK$9,019
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$476/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,038/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).