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$4,299
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,432
−HK$136/mo
Today · 4.125%
HK$4,568
baseline
▲ 0.50% · 4.625%
HK$4,846
+HK$278/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$9,136/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,782
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,910
−HK$130/mo
Today · 4.125%
HK$5,040
baseline
▲ 0.50% · 4.625%
HK$5,306
+HK$266/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$10,080/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,158
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,319
−HK$163/mo
Today · 4.125%
HK$5,482
baseline
▲ 0.50% · 4.625%
HK$5,815
+HK$333/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$10,964/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,738
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,892
−HK$157/mo
Today · 4.125%
HK$6,049
baseline
▲ 0.50% · 4.625%
HK$6,367
+HK$318/mo
Deposit HK$754K · loan HK$1.13M · min. income ≈ HK$12,098/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,018
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,205
−HK$190/mo
Today · 4.125%
HK$6,395
baseline
▲ 0.50% · 4.625%
HK$6,784
+HK$389/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,790/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$6,695
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,874
−HK$183/mo
Today · 4.125%
HK$7,057
baseline
▲ 0.50% · 4.625%
HK$7,429
+HK$372/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,114/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$7,737
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,978
−HK$245/mo
Today · 4.125%
HK$8,223
baseline
▲ 0.50% · 4.625%
HK$8,723
+HK$500/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,446/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$8,608
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,839
−HK$234/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,551
+HK$478/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,146/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).