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$4,271
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,404
−HK$135/mo
Today · 4.125%
HK$4,539
baseline
▲ 0.50% · 4.625%
HK$4,815
+HK$276/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$9,078/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,751
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,879
−HK$129/mo
Today · 4.125%
HK$5,008
baseline
▲ 0.50% · 4.625%
HK$5,272
+HK$264/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$10,016/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,125
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,285
−HK$162/mo
Today · 4.125%
HK$5,447
baseline
▲ 0.50% · 4.625%
HK$5,778
+HK$331/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$10,894/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,702
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,855
−HK$155/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,326
+HK$316/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$12,020/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,979
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,165
−HK$189/mo
Today · 4.125%
HK$6,354
baseline
▲ 0.50% · 4.625%
HK$6,741
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,708/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,652
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,830
−HK$181/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,381
+HK$370/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,022/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,688
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,927
−HK$243/mo
Today · 4.125%
HK$8,170
baseline
▲ 0.50% · 4.625%
HK$8,667
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,340/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$8,553
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,782
−HK$233/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,490
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,030/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).