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$4,417
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,554
−HK$140/mo
Today · 4.125%
HK$4,694
baseline
▲ 0.50% · 4.625%
HK$4,979
+HK$285/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$9,388/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,914
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,045
−HK$134/mo
Today · 4.125%
HK$5,179
baseline
▲ 0.50% · 4.625%
HK$5,452
+HK$273/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$10,358/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,300
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,465
−HK$168/mo
Today · 4.125%
HK$5,633
baseline
▲ 0.50% · 4.625%
HK$5,975
+HK$342/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$11,266/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,896
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,055
−HK$160/mo
Today · 4.125%
HK$6,215
baseline
▲ 0.50% · 4.625%
HK$6,543
+HK$328/mo
Deposit HK$775K · loan HK$1.16M · min. income ≈ HK$12,430/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,184
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,376
−HK$195/mo
Today · 4.125%
HK$6,571
baseline
▲ 0.50% · 4.625%
HK$6,971
+HK$400/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$13,142/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,879
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,064
−HK$187/mo
Today · 4.125%
HK$7,251
baseline
▲ 0.50% · 4.625%
HK$7,633
+HK$382/mo
Deposit HK$581K · loan HK$1.36M · min. income ≈ HK$14,502/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,950
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,198
−HK$251/mo
Today · 4.125%
HK$8,449
baseline
▲ 0.50% · 4.625%
HK$8,963
+HK$514/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,898/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$8,845
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,082
−HK$240/mo
Today · 4.125%
HK$9,322
baseline
▲ 0.50% · 4.625%
HK$9,814
+HK$492/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,644/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).