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$4,200
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,331
−HK$133/mo
Today · 4.125%
HK$4,464
baseline
▲ 0.50% · 4.625%
HK$4,735
+HK$271/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,928/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,673
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,798
−HK$127/mo
Today · 4.125%
HK$4,925
baseline
▲ 0.50% · 4.625%
HK$5,185
+HK$260/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,850/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,040
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,197
−HK$160/mo
Today · 4.125%
HK$5,357
baseline
▲ 0.50% · 4.625%
HK$5,682
+HK$325/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$10,714/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,607
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,758
−HK$152/mo
Today · 4.125%
HK$5,910
baseline
▲ 0.50% · 4.625%
HK$6,222
+HK$312/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$11,820/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,881
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,063
−HK$186/mo
Today · 4.125%
HK$6,249
baseline
▲ 0.50% · 4.625%
HK$6,630
+HK$381/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,498/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,542
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,717
−HK$178/mo
Today · 4.125%
HK$6,895
baseline
▲ 0.50% · 4.625%
HK$7,259
+HK$364/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,790/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,561
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,796
−HK$239/mo
Today · 4.125%
HK$8,035
baseline
▲ 0.50% · 4.625%
HK$8,524
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,070/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,411
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$229/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,732/mo (50% DSR)
Upfront cash ≈ HK$184K (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).