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$4,267
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,400
−HK$135/mo
Today · 4.125%
HK$4,535
baseline
▲ 0.50% · 4.625%
HK$4,811
+HK$276/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$9,070/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,747
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,875
−HK$129/mo
Today · 4.125%
HK$5,004
baseline
▲ 0.50% · 4.625%
HK$5,267
+HK$263/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$10,008/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,121
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,280
−HK$162/mo
Today · 4.125%
HK$5,442
baseline
▲ 0.50% · 4.625%
HK$5,773
+HK$331/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$10,884/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,697
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,849
−HK$155/mo
Today · 4.125%
HK$6,004
baseline
▲ 0.50% · 4.625%
HK$6,321
+HK$317/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$12,008/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,974
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$189/mo
Today · 4.125%
HK$6,349
baseline
▲ 0.50% · 4.625%
HK$6,735
+HK$386/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$12,698/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$6,646
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,824
−HK$181/mo
Today · 4.125%
HK$7,005
baseline
▲ 0.50% · 4.625%
HK$7,374
+HK$369/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$14,010/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$7,681
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,920
−HK$243/mo
Today · 4.125%
HK$8,163
baseline
▲ 0.50% · 4.625%
HK$8,659
+HK$496/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,326/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$8,545
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$233/mo
Today · 4.125%
HK$9,007
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$474/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$18,014/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).