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$4,132
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,261
−HK$130/mo
Today · 4.125%
HK$4,391
baseline
▲ 0.50% · 4.625%
HK$4,658
+HK$267/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$8,782/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,597
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,720
−HK$125/mo
Today · 4.125%
HK$4,845
baseline
▲ 0.50% · 4.625%
HK$5,101
+HK$256/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$9,690/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,959
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,113
−HK$156/mo
Today · 4.125%
HK$5,269
baseline
▲ 0.50% · 4.625%
HK$5,590
+HK$321/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$10,538/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,516
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,664
−HK$150/mo
Today · 4.125%
HK$5,814
baseline
▲ 0.50% · 4.625%
HK$6,121
+HK$307/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$11,628/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,785
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,965
−HK$183/mo
Today · 4.125%
HK$6,148
baseline
▲ 0.50% · 4.625%
HK$6,522
+HK$374/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,296/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,436
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,608
−HK$175/mo
Today · 4.125%
HK$6,783
baseline
▲ 0.50% · 4.625%
HK$7,141
+HK$358/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,566/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,438
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,669
−HK$235/mo
Today · 4.125%
HK$7,904
baseline
▲ 0.50% · 4.625%
HK$8,385
+HK$481/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,808/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$8,274
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$226/mo
Today · 4.125%
HK$8,722
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$459/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,444/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).