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$4,163
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,292
−HK$132/mo
Today · 4.125%
HK$4,424
baseline
▲ 0.50% · 4.625%
HK$4,693
+HK$269/mo
Deposit HK$913K · loan HK$913K · min. income ≈ HK$8,848/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,631
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,755
−HK$126/mo
Today · 4.125%
HK$4,881
baseline
▲ 0.50% · 4.625%
HK$5,138
+HK$257/mo
Deposit HK$913K · loan HK$913K · min. income ≈ HK$9,762/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,995
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,150
−HK$158/mo
Today · 4.125%
HK$5,308
baseline
▲ 0.50% · 4.625%
HK$5,631
+HK$323/mo
Deposit HK$730K · loan HK$1.10M · min. income ≈ HK$10,616/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,557
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,706
−HK$151/mo
Today · 4.125%
HK$5,857
baseline
▲ 0.50% · 4.625%
HK$6,166
+HK$309/mo
Deposit HK$730K · loan HK$1.10M · min. income ≈ HK$11,714/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,828
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,009
−HK$184/mo
Today · 4.125%
HK$6,193
baseline
▲ 0.50% · 4.625%
HK$6,570
+HK$377/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$12,386/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,483
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,657
−HK$176/mo
Today · 4.125%
HK$6,833
baseline
▲ 0.50% · 4.625%
HK$7,194
+HK$361/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$13,666/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,493
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$236/mo
Today · 4.125%
HK$7,962
baseline
▲ 0.50% · 4.625%
HK$8,447
+HK$485/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$15,924/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,335
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$227/mo
Today · 4.125%
HK$8,786
baseline
▲ 0.50% · 4.625%
HK$9,249
+HK$463/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$17,572/mo (50% DSR)
Upfront cash ≈ HK$183K (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).