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$4,407
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,544
−HK$139/mo
Today · 4.125%
HK$4,683
baseline
▲ 0.50% · 4.625%
HK$4,968
+HK$285/mo
Deposit HK$966K · loan HK$966K · min. income ≈ HK$9,366/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,902
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,034
−HK$133/mo
Today · 4.125%
HK$5,167
baseline
▲ 0.50% · 4.625%
HK$5,440
+HK$273/mo
Deposit HK$966K · loan HK$966K · min. income ≈ HK$10,334/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,288
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,452
−HK$168/mo
Today · 4.125%
HK$5,620
baseline
▲ 0.50% · 4.625%
HK$5,961
+HK$341/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$11,240/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,883
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,041
−HK$160/mo
Today · 4.125%
HK$6,201
baseline
▲ 0.50% · 4.625%
HK$6,527
+HK$326/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$12,402/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,169
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,361
−HK$195/mo
Today · 4.125%
HK$6,556
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$399/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$13,112/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,863
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,047
−HK$187/mo
Today · 4.125%
HK$7,234
baseline
▲ 0.50% · 4.625%
HK$7,615
+HK$381/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$14,468/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,932
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$250/mo
Today · 4.125%
HK$8,429
baseline
▲ 0.50% · 4.625%
HK$8,942
+HK$513/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,858/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$8,824
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,061
−HK$240/mo
Today · 4.125%
HK$9,301
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$490/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,602/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).