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$4,190
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,320
−HK$133/mo
Today · 4.125%
HK$4,453
baseline
▲ 0.50% · 4.625%
HK$4,724
+HK$271/mo
Deposit HK$919K · loan HK$919K · min. income ≈ HK$8,906/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,661
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,786
−HK$127/mo
Today · 4.125%
HK$4,913
baseline
▲ 0.50% · 4.625%
HK$5,172
+HK$259/mo
Deposit HK$919K · loan HK$919K · min. income ≈ HK$9,826/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,028
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,184
−HK$159/mo
Today · 4.125%
HK$5,343
baseline
▲ 0.50% · 4.625%
HK$5,668
+HK$325/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$10,686/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,594
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,744
−HK$152/mo
Today · 4.125%
HK$5,896
baseline
▲ 0.50% · 4.625%
HK$6,206
+HK$310/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$11,792/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,866
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,048
−HK$186/mo
Today · 4.125%
HK$6,234
baseline
▲ 0.50% · 4.625%
HK$6,613
+HK$379/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$12,468/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,526
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,701
−HK$177/mo
Today · 4.125%
HK$6,878
baseline
▲ 0.50% · 4.625%
HK$7,241
+HK$363/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$13,756/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,542
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,776
−HK$239/mo
Today · 4.125%
HK$8,015
baseline
▲ 0.50% · 4.625%
HK$8,502
+HK$487/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,030/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,390
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,615
−HK$229/mo
Today · 4.125%
HK$8,844
baseline
▲ 0.50% · 4.625%
HK$9,310
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,688/mo (50% DSR)
Upfront cash ≈ HK$184K (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).