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$4,168
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,298
−HK$132/mo
Today · 4.125%
HK$4,430
baseline
▲ 0.50% · 4.625%
HK$4,699
+HK$269/mo
Deposit HK$914K · loan HK$914K · min. income ≈ HK$8,860/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,637
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,762
−HK$126/mo
Today · 4.125%
HK$4,888
baseline
▲ 0.50% · 4.625%
HK$5,145
+HK$257/mo
Deposit HK$914K · loan HK$914K · min. income ≈ HK$9,776/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,002
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,158
−HK$158/mo
Today · 4.125%
HK$5,316
baseline
▲ 0.50% · 4.625%
HK$5,639
+HK$323/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$10,632/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,565
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,714
−HK$151/mo
Today · 4.125%
HK$5,865
baseline
▲ 0.50% · 4.625%
HK$6,174
+HK$309/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$11,730/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,836
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,017
−HK$185/mo
Today · 4.125%
HK$6,202
baseline
▲ 0.50% · 4.625%
HK$6,579
+HK$377/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$12,404/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,492
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,666
−HK$177/mo
Today · 4.125%
HK$6,843
baseline
▲ 0.50% · 4.625%
HK$7,203
+HK$360/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$13,686/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,503
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,736
−HK$237/mo
Today · 4.125%
HK$7,973
baseline
▲ 0.50% · 4.625%
HK$8,459
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,946/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,347
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,571
−HK$227/mo
Today · 4.125%
HK$8,798
baseline
▲ 0.50% · 4.625%
HK$9,262
+HK$464/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,596/mo (50% DSR)
Upfront cash ≈ HK$183K (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).