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$4,203
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,333
−HK$133/mo
Today · 4.125%
HK$4,466
baseline
▲ 0.50% · 4.625%
HK$4,738
+HK$272/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$8,932/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,675
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,801
−HK$127/mo
Today · 4.125%
HK$4,928
baseline
▲ 0.50% · 4.625%
HK$5,188
+HK$260/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$9,856/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,043
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,200
−HK$159/mo
Today · 4.125%
HK$5,359
baseline
▲ 0.50% · 4.625%
HK$5,685
+HK$326/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$10,718/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,610
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,761
−HK$153/mo
Today · 4.125%
HK$5,914
baseline
▲ 0.50% · 4.625%
HK$6,225
+HK$311/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$11,828/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,884
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$186/mo
Today · 4.125%
HK$6,253
baseline
▲ 0.50% · 4.625%
HK$6,633
+HK$380/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,506/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,545
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$178/mo
Today · 4.125%
HK$6,899
baseline
▲ 0.50% · 4.625%
HK$7,263
+HK$364/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,798/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,565
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,800
−HK$239/mo
Today · 4.125%
HK$8,039
baseline
▲ 0.50% · 4.625%
HK$8,528
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,078/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,416
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,641
−HK$229/mo
Today · 4.125%
HK$8,870
baseline
▲ 0.50% · 4.625%
HK$9,338
+HK$468/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,740/mo (50% DSR)
Upfront cash ≈ HK$184K (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).