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$4,134
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,262
−HK$131/mo
Today · 4.125%
HK$4,393
baseline
▲ 0.50% · 4.625%
HK$4,660
+HK$267/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$8,786/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,599
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,722
−HK$125/mo
Today · 4.125%
HK$4,847
baseline
▲ 0.50% · 4.625%
HK$5,103
+HK$256/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$9,694/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,961
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,115
−HK$157/mo
Today · 4.125%
HK$5,272
baseline
▲ 0.50% · 4.625%
HK$5,593
+HK$321/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$10,544/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,519
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,667
−HK$150/mo
Today · 4.125%
HK$5,817
baseline
▲ 0.50% · 4.625%
HK$6,123
+HK$306/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$11,634/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,787
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,967
−HK$183/mo
Today · 4.125%
HK$6,150
baseline
▲ 0.50% · 4.625%
HK$6,525
+HK$375/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,300/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,439
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,611
−HK$175/mo
Today · 4.125%
HK$6,786
baseline
▲ 0.50% · 4.625%
HK$7,144
+HK$358/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,572/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,441
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,672
−HK$236/mo
Today · 4.125%
HK$7,908
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$481/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,816/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,278
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,500
−HK$225/mo
Today · 4.125%
HK$8,725
baseline
▲ 0.50% · 4.625%
HK$9,185
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,450/mo (50% DSR)
Upfront cash ≈ HK$181K (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).