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$4,161
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,290
−HK$131/mo
Today · 4.125%
HK$4,421
baseline
▲ 0.50% · 4.625%
HK$4,691
+HK$270/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$8,842/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,629
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,753
−HK$126/mo
Today · 4.125%
HK$4,879
baseline
▲ 0.50% · 4.625%
HK$5,136
+HK$257/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$9,758/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,993
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,148
−HK$158/mo
Today · 4.125%
HK$5,306
baseline
▲ 0.50% · 4.625%
HK$5,629
+HK$323/mo
Deposit HK$730K · loan HK$1.09M · min. income ≈ HK$10,612/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,554
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,703
−HK$151/mo
Today · 4.125%
HK$5,854
baseline
▲ 0.50% · 4.625%
HK$6,163
+HK$309/mo
Deposit HK$730K · loan HK$1.09M · min. income ≈ HK$11,708/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,825
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,006
−HK$184/mo
Today · 4.125%
HK$6,190
baseline
▲ 0.50% · 4.625%
HK$6,567
+HK$377/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,380/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,480
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,654
−HK$176/mo
Today · 4.125%
HK$6,830
baseline
▲ 0.50% · 4.625%
HK$7,190
+HK$360/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,660/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,489
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$237/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,443
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,918/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$8,331
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$227/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,564/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).