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$4,166
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,296
−HK$131/mo
Today · 4.125%
HK$4,427
baseline
▲ 0.50% · 4.625%
HK$4,697
+HK$270/mo
Deposit HK$914K · loan HK$914K · min. income ≈ HK$8,854/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,635
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,759
−HK$126/mo
Today · 4.125%
HK$4,885
baseline
▲ 0.50% · 4.625%
HK$5,143
+HK$258/mo
Deposit HK$914K · loan HK$914K · min. income ≈ HK$9,770/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,999
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,155
−HK$158/mo
Today · 4.125%
HK$5,313
baseline
▲ 0.50% · 4.625%
HK$5,636
+HK$323/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$10,626/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,562
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,711
−HK$151/mo
Today · 4.125%
HK$5,862
baseline
▲ 0.50% · 4.625%
HK$6,171
+HK$309/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$11,724/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,833
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,014
−HK$184/mo
Today · 4.125%
HK$6,198
baseline
▲ 0.50% · 4.625%
HK$6,576
+HK$378/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$12,396/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,489
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,663
−HK$176/mo
Today · 4.125%
HK$6,839
baseline
▲ 0.50% · 4.625%
HK$7,200
+HK$361/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$13,678/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,499
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,732
−HK$237/mo
Today · 4.125%
HK$7,969
baseline
▲ 0.50% · 4.625%
HK$8,454
+HK$485/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$15,938/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,343
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,567
−HK$227/mo
Today · 4.125%
HK$8,794
baseline
▲ 0.50% · 4.625%
HK$9,257
+HK$463/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$17,588/mo (50% DSR)
Upfront cash ≈ HK$183K (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).