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$4,253
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,385
−HK$134/mo
Today · 4.125%
HK$4,519
baseline
▲ 0.50% · 4.625%
HK$4,794
+HK$275/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,038/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,731
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,858
−HK$129/mo
Today · 4.125%
HK$4,987
baseline
▲ 0.50% · 4.625%
HK$5,250
+HK$263/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,974/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,103
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,262
−HK$161/mo
Today · 4.125%
HK$5,423
baseline
▲ 0.50% · 4.625%
HK$5,753
+HK$330/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$10,846/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,677
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,830
−HK$154/mo
Today · 4.125%
HK$5,984
baseline
▲ 0.50% · 4.625%
HK$6,299
+HK$315/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$11,968/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,954
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,139
−HK$188/mo
Today · 4.125%
HK$6,327
baseline
▲ 0.50% · 4.625%
HK$6,712
+HK$385/mo
Deposit HK$559K · loan HK$1.31M · min. income ≈ HK$12,654/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,623
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,801
−HK$180/mo
Today · 4.125%
HK$6,981
baseline
▲ 0.50% · 4.625%
HK$7,349
+HK$368/mo
Deposit HK$559K · loan HK$1.31M · min. income ≈ HK$13,962/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,655
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,893
−HK$242/mo
Today · 4.125%
HK$8,135
baseline
▲ 0.50% · 4.625%
HK$8,630
+HK$495/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,270/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,516
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$232/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,449
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,952/mo (50% DSR)
Upfront cash ≈ HK$187K (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).