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$4,410
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,547
−HK$140/mo
Today · 4.125%
HK$4,687
baseline
▲ 0.50% · 4.625%
HK$4,972
+HK$285/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$9,374/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,906
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,038
−HK$133/mo
Today · 4.125%
HK$5,171
baseline
▲ 0.50% · 4.625%
HK$5,444
+HK$273/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$10,342/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,292
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,457
−HK$167/mo
Today · 4.125%
HK$5,624
baseline
▲ 0.50% · 4.625%
HK$5,966
+HK$342/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$11,248/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,888
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,045
−HK$161/mo
Today · 4.125%
HK$6,206
baseline
▲ 0.50% · 4.625%
HK$6,533
+HK$327/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$12,412/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,174
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,366
−HK$195/mo
Today · 4.125%
HK$6,561
baseline
▲ 0.50% · 4.625%
HK$6,961
+HK$400/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$13,122/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,869
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,053
−HK$187/mo
Today · 4.125%
HK$7,240
baseline
▲ 0.50% · 4.625%
HK$7,622
+HK$382/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$14,480/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,938
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,185
−HK$251/mo
Today · 4.125%
HK$8,436
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$513/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,872/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,831
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,068
−HK$240/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,799
+HK$491/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,616/mo (50% DSR)
Upfront cash ≈ HK$194K (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).