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$4,329
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,464
−HK$137/mo
Today · 4.125%
HK$4,601
baseline
▲ 0.50% · 4.625%
HK$4,881
+HK$280/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$9,202/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,816
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,946
−HK$131/mo
Today · 4.125%
HK$5,077
baseline
▲ 0.50% · 4.625%
HK$5,344
+HK$267/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$10,154/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,195
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,357
−HK$164/mo
Today · 4.125%
HK$5,521
baseline
▲ 0.50% · 4.625%
HK$5,857
+HK$336/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$11,042/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,780
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,935
−HK$157/mo
Today · 4.125%
HK$6,092
baseline
▲ 0.50% · 4.625%
HK$6,413
+HK$321/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$12,184/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,061
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,250
−HK$191/mo
Today · 4.125%
HK$6,441
baseline
▲ 0.50% · 4.625%
HK$6,833
+HK$392/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,882/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,743
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,924
−HK$183/mo
Today · 4.125%
HK$7,107
baseline
▲ 0.50% · 4.625%
HK$7,482
+HK$375/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,214/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,793
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,035
−HK$247/mo
Today · 4.125%
HK$8,282
baseline
▲ 0.50% · 4.625%
HK$8,785
+HK$503/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,564/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$8,670
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,902
−HK$236/mo
Today · 4.125%
HK$9,138
baseline
▲ 0.50% · 4.625%
HK$9,620
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,276/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).