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$4,345
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,481
−HK$137/mo
Today · 4.125%
HK$4,618
baseline
▲ 0.50% · 4.625%
HK$4,899
+HK$281/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$9,236/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,834
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,964
−HK$131/mo
Today · 4.125%
HK$5,095
baseline
▲ 0.50% · 4.625%
HK$5,364
+HK$269/mo
Deposit HK$953K · loan HK$953K · min. income ≈ HK$10,190/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,214
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$164/mo
Today · 4.125%
HK$5,541
baseline
▲ 0.50% · 4.625%
HK$5,879
+HK$338/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,082/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,801
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,957
−HK$157/mo
Today · 4.125%
HK$6,114
baseline
▲ 0.50% · 4.625%
HK$6,437
+HK$323/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,228/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,084
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,273
−HK$192/mo
Today · 4.125%
HK$6,465
baseline
▲ 0.50% · 4.625%
HK$6,858
+HK$393/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$12,930/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,768
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,949
−HK$185/mo
Today · 4.125%
HK$7,134
baseline
▲ 0.50% · 4.625%
HK$7,510
+HK$376/mo
Deposit HK$572K · loan HK$1.33M · min. income ≈ HK$14,268/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,822
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$247/mo
Today · 4.125%
HK$8,312
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$506/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,624/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,702
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$237/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,655
+HK$483/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,344/mo (50% DSR)
Upfront cash ≈ HK$191K (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).