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$4,342
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,478
−HK$137/mo
Today · 4.125%
HK$4,615
baseline
▲ 0.50% · 4.625%
HK$4,896
+HK$281/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$9,230/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,831
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,960
−HK$132/mo
Today · 4.125%
HK$5,092
baseline
▲ 0.50% · 4.625%
HK$5,360
+HK$268/mo
Deposit HK$952K · loan HK$952K · min. income ≈ HK$10,184/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,211
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,373
−HK$165/mo
Today · 4.125%
HK$5,538
baseline
▲ 0.50% · 4.625%
HK$5,875
+HK$337/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$11,076/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$5,797
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,953
−HK$157/mo
Today · 4.125%
HK$6,110
baseline
▲ 0.50% · 4.625%
HK$6,432
+HK$322/mo
Deposit HK$762K · loan HK$1.14M · min. income ≈ HK$12,220/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$6,079
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,269
−HK$192/mo
Today · 4.125%
HK$6,461
baseline
▲ 0.50% · 4.625%
HK$6,854
+HK$393/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,922/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,763
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,945
−HK$184/mo
Today · 4.125%
HK$7,129
baseline
▲ 0.50% · 4.625%
HK$7,504
+HK$375/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,258/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,816
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,060
−HK$247/mo
Today · 4.125%
HK$8,307
baseline
▲ 0.50% · 4.625%
HK$8,812
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,614/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$8,696
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$236/mo
Today · 4.125%
HK$9,165
baseline
▲ 0.50% · 4.625%
HK$9,649
+HK$484/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,330/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).