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$4,196
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,326
−HK$133/mo
Today · 4.125%
HK$4,459
baseline
▲ 0.50% · 4.625%
HK$4,730
+HK$271/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$8,918/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,668
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,793
−HK$127/mo
Today · 4.125%
HK$4,920
baseline
▲ 0.50% · 4.625%
HK$5,179
+HK$259/mo
Deposit HK$920K · loan HK$920K · min. income ≈ HK$9,840/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,035
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,191
−HK$160/mo
Today · 4.125%
HK$5,351
baseline
▲ 0.50% · 4.625%
HK$5,676
+HK$325/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$10,702/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,601
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,751
−HK$153/mo
Today · 4.125%
HK$5,904
baseline
▲ 0.50% · 4.625%
HK$6,215
+HK$311/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$11,808/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,874
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$185/mo
Today · 4.125%
HK$6,242
baseline
▲ 0.50% · 4.625%
HK$6,622
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,484/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,535
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,710
−HK$178/mo
Today · 4.125%
HK$6,888
baseline
▲ 0.50% · 4.625%
HK$7,251
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,776/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,552
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,787
−HK$239/mo
Today · 4.125%
HK$8,026
baseline
▲ 0.50% · 4.625%
HK$8,514
+HK$488/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,052/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$8,402
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,627
−HK$229/mo
Today · 4.125%
HK$8,856
baseline
▲ 0.50% · 4.625%
HK$9,322
+HK$466/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,712/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).