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$4,336
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,471
−HK$137/mo
Today · 4.125%
HK$4,608
baseline
▲ 0.50% · 4.625%
HK$4,888
+HK$280/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$9,216/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,824
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,953
−HK$131/mo
Today · 4.125%
HK$5,084
baseline
▲ 0.50% · 4.625%
HK$5,352
+HK$268/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$10,168/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,203
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,365
−HK$165/mo
Today · 4.125%
HK$5,530
baseline
▲ 0.50% · 4.625%
HK$5,866
+HK$336/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,060/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$5,789
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,944
−HK$157/mo
Today · 4.125%
HK$6,101
baseline
▲ 0.50% · 4.625%
HK$6,423
+HK$322/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,202/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$6,070
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,259
−HK$192/mo
Today · 4.125%
HK$6,451
baseline
▲ 0.50% · 4.625%
HK$6,844
+HK$393/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,902/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$6,753
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$184/mo
Today · 4.125%
HK$7,118
baseline
▲ 0.50% · 4.625%
HK$7,493
+HK$375/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,236/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$7,805
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,048
−HK$246/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,588/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$8,683
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,916
−HK$236/mo
Today · 4.125%
HK$9,152
baseline
▲ 0.50% · 4.625%
HK$9,634
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,304/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).