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$4,272
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,405
−HK$135/mo
Today · 4.125%
HK$4,540
baseline
▲ 0.50% · 4.625%
HK$4,816
+HK$276/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$9,080/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,753
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,880
−HK$129/mo
Today · 4.125%
HK$5,009
baseline
▲ 0.50% · 4.625%
HK$5,273
+HK$264/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$10,018/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,126
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,286
−HK$162/mo
Today · 4.125%
HK$5,448
baseline
▲ 0.50% · 4.625%
HK$5,779
+HK$331/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$10,896/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,703
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,856
−HK$155/mo
Today · 4.125%
HK$6,011
baseline
▲ 0.50% · 4.625%
HK$6,328
+HK$317/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$12,022/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,981
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,167
−HK$189/mo
Today · 4.125%
HK$6,356
baseline
▲ 0.50% · 4.625%
HK$6,743
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,712/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,654
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$181/mo
Today · 4.125%
HK$7,013
baseline
▲ 0.50% · 4.625%
HK$7,383
+HK$370/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,026/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,690
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,929
−HK$243/mo
Today · 4.125%
HK$8,172
baseline
▲ 0.50% · 4.625%
HK$8,669
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,344/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$8,555
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$233/mo
Today · 4.125%
HK$9,017
baseline
▲ 0.50% · 4.625%
HK$9,492
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,034/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).