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$4,333
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,468
−HK$137/mo
Today · 4.125%
HK$4,605
baseline
▲ 0.50% · 4.625%
HK$4,885
+HK$280/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$9,210/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,820
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,950
−HK$131/mo
Today · 4.125%
HK$5,081
baseline
▲ 0.50% · 4.625%
HK$5,348
+HK$267/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$10,162/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,199
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,361
−HK$164/mo
Today · 4.125%
HK$5,525
baseline
▲ 0.50% · 4.625%
HK$5,862
+HK$337/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$11,050/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$5,784
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,939
−HK$158/mo
Today · 4.125%
HK$6,097
baseline
▲ 0.50% · 4.625%
HK$6,418
+HK$321/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$12,194/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$6,066
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$191/mo
Today · 4.125%
HK$6,446
baseline
▲ 0.50% · 4.625%
HK$6,839
+HK$393/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,892/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$6,748
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,929
−HK$184/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$375/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,226/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$7,799
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$246/mo
Today · 4.125%
HK$8,288
baseline
▲ 0.50% · 4.625%
HK$8,793
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,576/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$8,676
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,909
−HK$236/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,290/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).