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$4,189
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,320
−HK$132/mo
Today · 4.125%
HK$4,452
baseline
▲ 0.50% · 4.625%
HK$4,723
+HK$271/mo
Deposit HK$919K · loan HK$919K · min. income ≈ HK$8,904/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,661
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,786
−HK$126/mo
Today · 4.125%
HK$4,912
baseline
▲ 0.50% · 4.625%
HK$5,171
+HK$259/mo
Deposit HK$919K · loan HK$919K · min. income ≈ HK$9,824/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,027
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,184
−HK$158/mo
Today · 4.125%
HK$5,342
baseline
▲ 0.50% · 4.625%
HK$5,668
+HK$326/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$10,684/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$5,593
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,743
−HK$152/mo
Today · 4.125%
HK$5,895
baseline
▲ 0.50% · 4.625%
HK$6,206
+HK$311/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$11,790/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$5,865
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,048
−HK$185/mo
Today · 4.125%
HK$6,233
baseline
▲ 0.50% · 4.625%
HK$6,612
+HK$379/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$12,466/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$6,525
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$177/mo
Today · 4.125%
HK$6,877
baseline
▲ 0.50% · 4.625%
HK$7,240
+HK$363/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$13,754/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$7,541
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,775
−HK$239/mo
Today · 4.125%
HK$8,014
baseline
▲ 0.50% · 4.625%
HK$8,501
+HK$487/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,028/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$8,389
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,614
−HK$228/mo
Today · 4.125%
HK$8,842
baseline
▲ 0.50% · 4.625%
HK$9,308
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,684/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).