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$4,187
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,317
−HK$132/mo
Today · 4.125%
HK$4,449
baseline
▲ 0.50% · 4.625%
HK$4,720
+HK$271/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$8,898/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$4,658
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,782
−HK$127/mo
Today · 4.125%
HK$4,909
baseline
▲ 0.50% · 4.625%
HK$5,168
+HK$259/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$9,818/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$5,024
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,180
−HK$159/mo
Today · 4.125%
HK$5,339
baseline
▲ 0.50% · 4.625%
HK$5,664
+HK$325/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$10,678/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$5,589
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,739
−HK$152/mo
Today · 4.125%
HK$5,891
baseline
▲ 0.50% · 4.625%
HK$6,202
+HK$311/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$11,782/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$5,861
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,044
−HK$185/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,608
+HK$379/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$12,458/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$6,521
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,695
−HK$178/mo
Today · 4.125%
HK$6,873
baseline
▲ 0.50% · 4.625%
HK$7,235
+HK$362/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$13,746/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$7,536
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,770
−HK$238/mo
Today · 4.125%
HK$8,008
baseline
▲ 0.50% · 4.625%
HK$8,496
+HK$488/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,016/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$8,384
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,608
−HK$229/mo
Today · 4.125%
HK$8,837
baseline
▲ 0.50% · 4.625%
HK$9,302
+HK$465/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,674/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).