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$4,218
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,349
−HK$134/mo
Today · 4.125%
HK$4,483
baseline
▲ 0.50% · 4.625%
HK$4,755
+HK$272/mo
Deposit HK$925K · loan HK$925K · min. income ≈ HK$8,966/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,693
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,818
−HK$128/mo
Today · 4.125%
HK$4,946
baseline
▲ 0.50% · 4.625%
HK$5,207
+HK$261/mo
Deposit HK$925K · loan HK$925K · min. income ≈ HK$9,892/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,062
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,219
−HK$160/mo
Today · 4.125%
HK$5,379
baseline
▲ 0.50% · 4.625%
HK$5,706
+HK$327/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$10,758/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,631
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,782
−HK$153/mo
Today · 4.125%
HK$5,935
baseline
▲ 0.50% · 4.625%
HK$6,248
+HK$313/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$11,870/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,905
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,089
−HK$187/mo
Today · 4.125%
HK$6,276
baseline
▲ 0.50% · 4.625%
HK$6,657
+HK$381/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$12,552/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,570
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,746
−HK$179/mo
Today · 4.125%
HK$6,925
baseline
▲ 0.50% · 4.625%
HK$7,290
+HK$365/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$13,850/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,593
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$240/mo
Today · 4.125%
HK$8,069
baseline
▲ 0.50% · 4.625%
HK$8,560
+HK$491/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,138/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,447
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$230/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$469/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,806/mo (50% DSR)
Upfront cash ≈ HK$185K (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).