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$4,149
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,278
−HK$132/mo
Today · 4.125%
HK$4,410
baseline
▲ 0.50% · 4.625%
HK$4,678
+HK$268/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$8,820/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,616
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,740
−HK$126/mo
Today · 4.125%
HK$4,866
baseline
▲ 0.50% · 4.625%
HK$5,122
+HK$256/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$9,732/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,979
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,134
−HK$158/mo
Today · 4.125%
HK$5,292
baseline
▲ 0.50% · 4.625%
HK$5,613
+HK$321/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$10,584/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,539
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,688
−HK$151/mo
Today · 4.125%
HK$5,839
baseline
▲ 0.50% · 4.625%
HK$6,146
+HK$307/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$11,678/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,809
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,990
−HK$183/mo
Today · 4.125%
HK$6,173
baseline
▲ 0.50% · 4.625%
HK$6,549
+HK$376/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,346/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,463
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,636
−HK$176/mo
Today · 4.125%
HK$6,812
baseline
▲ 0.50% · 4.625%
HK$7,171
+HK$359/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,624/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,469
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,701
−HK$236/mo
Today · 4.125%
HK$7,937
baseline
▲ 0.50% · 4.625%
HK$8,420
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,874/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,309
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,532
−HK$226/mo
Today · 4.125%
HK$8,758
baseline
▲ 0.50% · 4.625%
HK$9,220
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,516/mo (50% DSR)
Upfront cash ≈ HK$182K (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).