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$4,188
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,318
−HK$132/mo
Today · 4.125%
HK$4,450
baseline
▲ 0.50% · 4.625%
HK$4,721
+HK$271/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$8,900/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,659
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,784
−HK$126/mo
Today · 4.125%
HK$4,910
baseline
▲ 0.50% · 4.625%
HK$5,169
+HK$259/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$9,820/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,025
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,181
−HK$159/mo
Today · 4.125%
HK$5,340
baseline
▲ 0.50% · 4.625%
HK$5,665
+HK$325/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$10,680/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$5,590
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,740
−HK$152/mo
Today · 4.125%
HK$5,892
baseline
▲ 0.50% · 4.625%
HK$6,203
+HK$311/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$11,784/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$5,863
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,045
−HK$185/mo
Today · 4.125%
HK$6,230
baseline
▲ 0.50% · 4.625%
HK$6,609
+HK$379/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$12,460/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$6,522
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,697
−HK$178/mo
Today · 4.125%
HK$6,875
baseline
▲ 0.50% · 4.625%
HK$7,237
+HK$362/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$13,750/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$7,538
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,772
−HK$238/mo
Today · 4.125%
HK$8,010
baseline
▲ 0.50% · 4.625%
HK$8,498
+HK$488/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,020/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$8,386
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,610
−HK$229/mo
Today · 4.125%
HK$8,839
baseline
▲ 0.50% · 4.625%
HK$9,305
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,678/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).