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$4,244
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,376
−HK$134/mo
Today · 4.125%
HK$4,510
baseline
▲ 0.50% · 4.625%
HK$4,785
+HK$275/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,020/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,721
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,848
−HK$128/mo
Today · 4.125%
HK$4,976
baseline
▲ 0.50% · 4.625%
HK$5,239
+HK$263/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,952/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,093
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,251
−HK$161/mo
Today · 4.125%
HK$5,412
baseline
▲ 0.50% · 4.625%
HK$5,741
+HK$329/mo
Deposit HK$744K · loan HK$1.12M · min. income ≈ HK$10,824/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,666
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,818
−HK$154/mo
Today · 4.125%
HK$5,972
baseline
▲ 0.50% · 4.625%
HK$6,287
+HK$315/mo
Deposit HK$744K · loan HK$1.12M · min. income ≈ HK$11,944/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,942
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,126
−HK$188/mo
Today · 4.125%
HK$6,314
baseline
▲ 0.50% · 4.625%
HK$6,698
+HK$384/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$12,628/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,610
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,787
−HK$180/mo
Today · 4.125%
HK$6,967
baseline
▲ 0.50% · 4.625%
HK$7,334
+HK$367/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$13,934/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,639
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,877
−HK$241/mo
Today · 4.125%
HK$8,118
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$494/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,236/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,499
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$232/mo
Today · 4.125%
HK$8,958
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$472/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,916/mo (50% DSR)
Upfront cash ≈ HK$186K (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).