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$4,112
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,240
−HK$130/mo
Today · 4.125%
HK$4,370
baseline
▲ 0.50% · 4.625%
HK$4,636
+HK$266/mo
Deposit HK$902K · loan HK$902K · min. income ≈ HK$8,740/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,574
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,697
−HK$124/mo
Today · 4.125%
HK$4,821
baseline
▲ 0.50% · 4.625%
HK$5,076
+HK$255/mo
Deposit HK$902K · loan HK$902K · min. income ≈ HK$9,642/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,934
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,088
−HK$156/mo
Today · 4.125%
HK$5,244
baseline
▲ 0.50% · 4.625%
HK$5,563
+HK$319/mo
Deposit HK$721K · loan HK$1.08M · min. income ≈ HK$10,488/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,489
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,636
−HK$150/mo
Today · 4.125%
HK$5,786
baseline
▲ 0.50% · 4.625%
HK$6,091
+HK$305/mo
Deposit HK$721K · loan HK$1.08M · min. income ≈ HK$11,572/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,756
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,936
−HK$181/mo
Today · 4.125%
HK$6,117
baseline
▲ 0.50% · 4.625%
HK$6,490
+HK$373/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$12,234/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,404
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,576
−HK$174/mo
Today · 4.125%
HK$6,750
baseline
▲ 0.50% · 4.625%
HK$7,106
+HK$356/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$13,500/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,401
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,631
−HK$234/mo
Today · 4.125%
HK$7,865
baseline
▲ 0.50% · 4.625%
HK$8,344
+HK$479/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,730/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,234
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,455
−HK$224/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,136
+HK$457/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,358/mo (50% DSR)
Upfront cash ≈ HK$180K (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).