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$4,301
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,435
−HK$136/mo
Today · 4.125%
HK$4,571
baseline
▲ 0.50% · 4.625%
HK$4,849
+HK$278/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$9,142/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$4,785
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,914
−HK$130/mo
Today · 4.125%
HK$5,044
baseline
▲ 0.50% · 4.625%
HK$5,310
+HK$266/mo
Deposit HK$943K · loan HK$943K · min. income ≈ HK$10,088/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$5,162
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,322
−HK$163/mo
Today · 4.125%
HK$5,485
baseline
▲ 0.50% · 4.625%
HK$5,819
+HK$334/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$10,970/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$5,742
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,896
−HK$156/mo
Today · 4.125%
HK$6,052
baseline
▲ 0.50% · 4.625%
HK$6,371
+HK$319/mo
Deposit HK$755K · loan HK$1.13M · min. income ≈ HK$12,104/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$6,022
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,209
−HK$190/mo
Today · 4.125%
HK$6,399
baseline
▲ 0.50% · 4.625%
HK$6,789
+HK$390/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$12,798/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$6,699
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,879
−HK$182/mo
Today · 4.125%
HK$7,061
baseline
▲ 0.50% · 4.625%
HK$7,433
+HK$372/mo
Deposit HK$566K · loan HK$1.32M · min. income ≈ HK$14,122/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$7,742
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,983
−HK$245/mo
Today · 4.125%
HK$8,228
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$501/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,456/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$8,613
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,844
−HK$235/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$478/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,158/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).