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$4,227
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,358
−HK$134/mo
Today · 4.125%
HK$4,492
baseline
▲ 0.50% · 4.625%
HK$4,765
+HK$273/mo
Deposit HK$927K · loan HK$927K · min. income ≈ HK$8,984/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,702
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,828
−HK$128/mo
Today · 4.125%
HK$4,956
baseline
▲ 0.50% · 4.625%
HK$5,218
+HK$262/mo
Deposit HK$927K · loan HK$927K · min. income ≈ HK$9,912/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,072
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,230
−HK$160/mo
Today · 4.125%
HK$5,390
baseline
▲ 0.50% · 4.625%
HK$5,718
+HK$328/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$10,780/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,643
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,794
−HK$154/mo
Today · 4.125%
HK$5,948
baseline
▲ 0.50% · 4.625%
HK$6,261
+HK$313/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$11,896/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,917
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,102
−HK$187/mo
Today · 4.125%
HK$6,289
baseline
▲ 0.50% · 4.625%
HK$6,671
+HK$382/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$12,578/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,583
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,760
−HK$179/mo
Today · 4.125%
HK$6,939
baseline
▲ 0.50% · 4.625%
HK$7,305
+HK$366/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$13,878/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,608
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,845
−HK$240/mo
Today · 4.125%
HK$8,085
baseline
▲ 0.50% · 4.625%
HK$8,577
+HK$492/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$16,170/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,464
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,691
−HK$230/mo
Today · 4.125%
HK$8,921
baseline
▲ 0.50% · 4.625%
HK$9,392
+HK$471/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$17,842/mo (50% DSR)
Upfront cash ≈ HK$185K (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).