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$4,414
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,551
−HK$139/mo
Today · 4.125%
HK$4,690
baseline
▲ 0.50% · 4.625%
HK$4,976
+HK$286/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$9,380/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,910
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,042
−HK$133/mo
Today · 4.125%
HK$5,175
baseline
▲ 0.50% · 4.625%
HK$5,448
+HK$273/mo
Deposit HK$968K · loan HK$968K · min. income ≈ HK$10,350/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,296
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,461
−HK$167/mo
Today · 4.125%
HK$5,628
baseline
▲ 0.50% · 4.625%
HK$5,971
+HK$343/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$11,256/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$5,892
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,050
−HK$160/mo
Today · 4.125%
HK$6,210
baseline
▲ 0.50% · 4.625%
HK$6,538
+HK$328/mo
Deposit HK$774K · loan HK$1.16M · min. income ≈ HK$12,420/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$6,179
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,371
−HK$195/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,966
+HK$400/mo
Deposit HK$581K · loan HK$1.35M · min. income ≈ HK$13,132/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$6,874
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$187/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,627
+HK$382/mo
Deposit HK$581K · loan HK$1.35M · min. income ≈ HK$14,490/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$7,944
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,191
−HK$252/mo
Today · 4.125%
HK$8,443
baseline
▲ 0.50% · 4.625%
HK$8,956
+HK$513/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$16,886/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$8,838
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,075
−HK$240/mo
Today · 4.125%
HK$9,315
baseline
▲ 0.50% · 4.625%
HK$9,807
+HK$492/mo
Deposit HK$194K · loan HK$1.74M · min. income ≈ HK$18,630/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).