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$4,250
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,382
−HK$134/mo
Today · 4.125%
HK$4,516
baseline
▲ 0.50% · 4.625%
HK$4,791
+HK$275/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,032/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,728
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,855
−HK$128/mo
Today · 4.125%
HK$4,983
baseline
▲ 0.50% · 4.625%
HK$5,246
+HK$263/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,966/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,100
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,258
−HK$162/mo
Today · 4.125%
HK$5,420
baseline
▲ 0.50% · 4.625%
HK$5,749
+HK$329/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$10,840/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,673
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,826
−HK$154/mo
Today · 4.125%
HK$5,980
baseline
▲ 0.50% · 4.625%
HK$6,295
+HK$315/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$11,960/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,950
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,135
−HK$188/mo
Today · 4.125%
HK$6,323
baseline
▲ 0.50% · 4.625%
HK$6,708
+HK$385/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$12,646/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,619
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,797
−HK$180/mo
Today · 4.125%
HK$6,977
baseline
▲ 0.50% · 4.625%
HK$7,344
+HK$367/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$13,954/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,650
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,888
−HK$241/mo
Today · 4.125%
HK$8,129
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$495/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,258/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$8,510
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,738
−HK$232/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,443
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,940/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).