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$4,261
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,394
−HK$135/mo
Today · 4.125%
HK$4,529
baseline
▲ 0.50% · 4.625%
HK$4,804
+HK$275/mo
Deposit HK$934K · loan HK$934K · min. income ≈ HK$9,058/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,741
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,868
−HK$129/mo
Today · 4.125%
HK$4,997
baseline
▲ 0.50% · 4.625%
HK$5,260
+HK$263/mo
Deposit HK$934K · loan HK$934K · min. income ≈ HK$9,994/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,114
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,273
−HK$161/mo
Today · 4.125%
HK$5,434
baseline
▲ 0.50% · 4.625%
HK$5,765
+HK$331/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$10,868/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,689
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,841
−HK$155/mo
Today · 4.125%
HK$5,996
baseline
▲ 0.50% · 4.625%
HK$6,312
+HK$316/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$11,992/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,966
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,151
−HK$189/mo
Today · 4.125%
HK$6,340
baseline
▲ 0.50% · 4.625%
HK$6,726
+HK$386/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$12,680/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,637
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,815
−HK$181/mo
Today · 4.125%
HK$6,996
baseline
▲ 0.50% · 4.625%
HK$7,364
+HK$368/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$13,992/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,670
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$242/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,647
+HK$496/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,302/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,533
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,762
−HK$232/mo
Today · 4.125%
HK$8,994
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$474/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,988/mo (50% DSR)
Upfront cash ≈ HK$187K (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).