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$4,399
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,535
−HK$140/mo
Today · 4.125%
HK$4,675
baseline
▲ 0.50% · 4.625%
HK$4,959
+HK$284/mo
Deposit HK$965K · loan HK$965K · min. income ≈ HK$9,350/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,893
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,025
−HK$133/mo
Today · 4.125%
HK$5,158
baseline
▲ 0.50% · 4.625%
HK$5,430
+HK$272/mo
Deposit HK$965K · loan HK$965K · min. income ≈ HK$10,316/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,278
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,443
−HK$166/mo
Today · 4.125%
HK$5,609
baseline
▲ 0.50% · 4.625%
HK$5,951
+HK$342/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$11,218/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,872
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,030
−HK$159/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,516
+HK$327/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$12,378/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,158
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,350
−HK$194/mo
Today · 4.125%
HK$6,544
baseline
▲ 0.50% · 4.625%
HK$6,943
+HK$399/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$13,088/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,851
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,035
−HK$186/mo
Today · 4.125%
HK$7,221
baseline
▲ 0.50% · 4.625%
HK$7,602
+HK$381/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$14,442/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,918
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,164
−HK$250/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$512/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,828/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$8,808
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$240/mo
Today · 4.125%
HK$9,284
baseline
▲ 0.50% · 4.625%
HK$9,774
+HK$490/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,568/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).