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$4,270
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,402
−HK$135/mo
Today · 4.125%
HK$4,537
baseline
▲ 0.50% · 4.625%
HK$4,813
+HK$276/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$9,074/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,750
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,877
−HK$130/mo
Today · 4.125%
HK$5,007
baseline
▲ 0.50% · 4.625%
HK$5,270
+HK$263/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$10,014/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,124
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,283
−HK$162/mo
Today · 4.125%
HK$5,445
baseline
▲ 0.50% · 4.625%
HK$5,776
+HK$331/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$10,890/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,700
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,853
−HK$155/mo
Today · 4.125%
HK$6,008
baseline
▲ 0.50% · 4.625%
HK$6,325
+HK$317/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$12,016/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,977
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,163
−HK$189/mo
Today · 4.125%
HK$6,352
baseline
▲ 0.50% · 4.625%
HK$6,739
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,704/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,650
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,828
−HK$181/mo
Today · 4.125%
HK$7,009
baseline
▲ 0.50% · 4.625%
HK$7,379
+HK$370/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,018/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,685
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$243/mo
Today · 4.125%
HK$8,167
baseline
▲ 0.50% · 4.625%
HK$8,664
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,334/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,550
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,779
−HK$233/mo
Today · 4.125%
HK$9,012
baseline
▲ 0.50% · 4.625%
HK$9,487
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,024/mo (50% DSR)
Upfront cash ≈ HK$187K (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).