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$4,122
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,250
−HK$131/mo
Today · 4.125%
HK$4,381
baseline
▲ 0.50% · 4.625%
HK$4,647
+HK$266/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$8,762/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,586
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,709
−HK$125/mo
Today · 4.125%
HK$4,834
baseline
▲ 0.50% · 4.625%
HK$5,088
+HK$254/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$9,668/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,947
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,100
−HK$157/mo
Today · 4.125%
HK$5,257
baseline
▲ 0.50% · 4.625%
HK$5,577
+HK$320/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$10,514/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,503
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,651
−HK$149/mo
Today · 4.125%
HK$5,800
baseline
▲ 0.50% · 4.625%
HK$6,106
+HK$306/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$11,600/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,771
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,951
−HK$182/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,506
+HK$373/mo
Deposit HK$542K · loan HK$1.27M · min. income ≈ HK$12,266/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,420
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,592
−HK$175/mo
Today · 4.125%
HK$6,767
baseline
▲ 0.50% · 4.625%
HK$7,124
+HK$357/mo
Deposit HK$542K · loan HK$1.27M · min. income ≈ HK$13,534/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,420
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$234/mo
Today · 4.125%
HK$7,885
baseline
▲ 0.50% · 4.625%
HK$8,365
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,770/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,255
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,476
−HK$224/mo
Today · 4.125%
HK$8,700
baseline
▲ 0.50% · 4.625%
HK$9,159
+HK$459/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,400/mo (50% DSR)
Upfront cash ≈ HK$181K (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).