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$4,114
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,242
−HK$130/mo
Today · 4.125%
HK$4,372
baseline
▲ 0.50% · 4.625%
HK$4,638
+HK$266/mo
Deposit HK$902K · loan HK$902K · min. income ≈ HK$8,744/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,577
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,700
−HK$125/mo
Today · 4.125%
HK$4,825
baseline
▲ 0.50% · 4.625%
HK$5,079
+HK$254/mo
Deposit HK$902K · loan HK$902K · min. income ≈ HK$9,650/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,937
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,091
−HK$156/mo
Today · 4.125%
HK$5,247
baseline
▲ 0.50% · 4.625%
HK$5,566
+HK$319/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$10,494/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,493
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,640
−HK$149/mo
Today · 4.125%
HK$5,789
baseline
▲ 0.50% · 4.625%
HK$6,095
+HK$306/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$11,578/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,760
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,939
−HK$182/mo
Today · 4.125%
HK$6,121
baseline
▲ 0.50% · 4.625%
HK$6,494
+HK$373/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$12,242/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,408
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,580
−HK$174/mo
Today · 4.125%
HK$6,754
baseline
▲ 0.50% · 4.625%
HK$7,110
+HK$356/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$13,508/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,406
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,636
−HK$234/mo
Today · 4.125%
HK$7,870
baseline
▲ 0.50% · 4.625%
HK$8,349
+HK$479/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,740/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,239
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,460
−HK$224/mo
Today · 4.125%
HK$8,684
baseline
▲ 0.50% · 4.625%
HK$9,142
+HK$458/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,368/mo (50% DSR)
Upfront cash ≈ HK$181K (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).