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$4,106
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,234
−HK$130/mo
Today · 4.125%
HK$4,364
baseline
▲ 0.50% · 4.625%
HK$4,629
+HK$265/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$8,728/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,568
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,691
−HK$124/mo
Today · 4.125%
HK$4,815
baseline
▲ 0.50% · 4.625%
HK$5,069
+HK$254/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$9,630/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,927
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,081
−HK$155/mo
Today · 4.125%
HK$5,236
baseline
▲ 0.50% · 4.625%
HK$5,555
+HK$319/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$10,472/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,482
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,629
−HK$149/mo
Today · 4.125%
HK$5,778
baseline
▲ 0.50% · 4.625%
HK$6,082
+HK$304/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$11,556/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,749
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,927
−HK$182/mo
Today · 4.125%
HK$6,109
baseline
▲ 0.50% · 4.625%
HK$6,481
+HK$372/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$12,218/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,395
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,567
−HK$174/mo
Today · 4.125%
HK$6,741
baseline
▲ 0.50% · 4.625%
HK$7,096
+HK$355/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$13,482/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,391
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,621
−HK$233/mo
Today · 4.125%
HK$7,854
baseline
▲ 0.50% · 4.625%
HK$8,332
+HK$478/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,708/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,222
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$224/mo
Today · 4.125%
HK$8,667
baseline
▲ 0.50% · 4.625%
HK$9,123
+HK$456/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,334/mo (50% DSR)
Upfront cash ≈ HK$180K (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).