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$4,171
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,301
−HK$132/mo
Today · 4.125%
HK$4,433
baseline
▲ 0.50% · 4.625%
HK$4,703
+HK$270/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$8,866/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,640
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,765
−HK$126/mo
Today · 4.125%
HK$4,891
baseline
▲ 0.50% · 4.625%
HK$5,149
+HK$258/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$9,782/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,005
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,161
−HK$158/mo
Today · 4.125%
HK$5,319
baseline
▲ 0.50% · 4.625%
HK$5,643
+HK$324/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$10,638/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,569
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,718
−HK$151/mo
Today · 4.125%
HK$5,869
baseline
▲ 0.50% · 4.625%
HK$6,179
+HK$310/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$11,738/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,840
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,021
−HK$185/mo
Today · 4.125%
HK$6,206
baseline
▲ 0.50% · 4.625%
HK$6,584
+HK$378/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$12,412/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,497
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,671
−HK$177/mo
Today · 4.125%
HK$6,848
baseline
▲ 0.50% · 4.625%
HK$7,209
+HK$361/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$13,696/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,508
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,742
−HK$237/mo
Today · 4.125%
HK$7,979
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,958/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$8,353
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,577
−HK$227/mo
Today · 4.125%
HK$8,804
baseline
▲ 0.50% · 4.625%
HK$9,268
+HK$464/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,608/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).