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$4,340
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,474
−HK$138/mo
Today · 4.125%
HK$4,612
baseline
▲ 0.50% · 4.625%
HK$4,892
+HK$280/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$9,224/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,828
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,957
−HK$131/mo
Today · 4.125%
HK$5,088
baseline
▲ 0.50% · 4.625%
HK$5,357
+HK$269/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$10,176/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,207
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,369
−HK$165/mo
Today · 4.125%
HK$5,534
baseline
▲ 0.50% · 4.625%
HK$5,871
+HK$337/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,068/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,793
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,949
−HK$157/mo
Today · 4.125%
HK$6,106
baseline
▲ 0.50% · 4.625%
HK$6,428
+HK$322/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,212/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,075
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,264
−HK$192/mo
Today · 4.125%
HK$6,456
baseline
▲ 0.50% · 4.625%
HK$6,849
+HK$393/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,912/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,759
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,940
−HK$184/mo
Today · 4.125%
HK$7,124
baseline
▲ 0.50% · 4.625%
HK$7,499
+HK$375/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,248/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,811
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,054
−HK$247/mo
Today · 4.125%
HK$8,301
baseline
▲ 0.50% · 4.625%
HK$8,806
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,602/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,690
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,923
−HK$236/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,642
+HK$483/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,318/mo (50% DSR)
Upfront cash ≈ HK$190K (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).