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$4,305
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,439
−HK$136/mo
Today · 4.125%
HK$4,575
baseline
▲ 0.50% · 4.625%
HK$4,853
+HK$278/mo
Deposit HK$944K · loan HK$944K · min. income ≈ HK$9,150/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,789
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,917
−HK$131/mo
Today · 4.125%
HK$5,048
baseline
▲ 0.50% · 4.625%
HK$5,314
+HK$266/mo
Deposit HK$944K · loan HK$944K · min. income ≈ HK$10,096/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,166
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,326
−HK$163/mo
Today · 4.125%
HK$5,489
baseline
▲ 0.50% · 4.625%
HK$5,824
+HK$335/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$10,978/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,747
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,901
−HK$156/mo
Today · 4.125%
HK$6,057
baseline
▲ 0.50% · 4.625%
HK$6,376
+HK$319/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$12,114/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,026
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,214
−HK$190/mo
Today · 4.125%
HK$6,404
baseline
▲ 0.50% · 4.625%
HK$6,794
+HK$390/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,808/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,704
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,884
−HK$183/mo
Today · 4.125%
HK$7,067
baseline
▲ 0.50% · 4.625%
HK$7,439
+HK$372/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,134/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,748
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,989
−HK$245/mo
Today · 4.125%
HK$8,234
baseline
▲ 0.50% · 4.625%
HK$8,735
+HK$501/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,468/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,620
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,851
−HK$235/mo
Today · 4.125%
HK$9,086
baseline
▲ 0.50% · 4.625%
HK$9,565
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,172/mo (50% DSR)
Upfront cash ≈ HK$189K (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).