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$4,225
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,356
−HK$134/mo
Today · 4.125%
HK$4,490
baseline
▲ 0.50% · 4.625%
HK$4,763
+HK$273/mo
Deposit HK$926K · loan HK$926K · min. income ≈ HK$8,980/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,700
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,826
−HK$128/mo
Today · 4.125%
HK$4,954
baseline
▲ 0.50% · 4.625%
HK$5,215
+HK$261/mo
Deposit HK$926K · loan HK$926K · min. income ≈ HK$9,908/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,070
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,228
−HK$160/mo
Today · 4.125%
HK$5,388
baseline
▲ 0.50% · 4.625%
HK$5,716
+HK$328/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$10,776/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,640
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,792
−HK$153/mo
Today · 4.125%
HK$5,945
baseline
▲ 0.50% · 4.625%
HK$6,259
+HK$314/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$11,890/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,915
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,099
−HK$187/mo
Today · 4.125%
HK$6,286
baseline
▲ 0.50% · 4.625%
HK$6,669
+HK$383/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$12,572/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,580
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,757
−HK$179/mo
Today · 4.125%
HK$6,936
baseline
▲ 0.50% · 4.625%
HK$7,302
+HK$366/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$13,872/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,605
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,842
−HK$240/mo
Today · 4.125%
HK$8,082
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$492/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$16,164/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,461
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$230/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$470/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$17,836/mo (50% DSR)
Upfront cash ≈ HK$185K (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).