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$4,108
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,236
−HK$130/mo
Today · 4.125%
HK$4,366
baseline
▲ 0.50% · 4.625%
HK$4,631
+HK$265/mo
Deposit HK$901K · loan HK$901K · min. income ≈ HK$8,732/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,570
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,693
−HK$124/mo
Today · 4.125%
HK$4,817
baseline
▲ 0.50% · 4.625%
HK$5,071
+HK$254/mo
Deposit HK$901K · loan HK$901K · min. income ≈ HK$9,634/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,930
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,083
−HK$156/mo
Today · 4.125%
HK$5,239
baseline
▲ 0.50% · 4.625%
HK$5,558
+HK$319/mo
Deposit HK$721K · loan HK$1.08M · min. income ≈ HK$10,478/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,484
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,631
−HK$149/mo
Today · 4.125%
HK$5,780
baseline
▲ 0.50% · 4.625%
HK$6,085
+HK$305/mo
Deposit HK$721K · loan HK$1.08M · min. income ≈ HK$11,560/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,751
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,930
−HK$182/mo
Today · 4.125%
HK$6,112
baseline
▲ 0.50% · 4.625%
HK$6,484
+HK$372/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$12,224/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$6,398
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,570
−HK$174/mo
Today · 4.125%
HK$6,744
baseline
▲ 0.50% · 4.625%
HK$7,099
+HK$355/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$13,488/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$7,394
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,624
−HK$234/mo
Today · 4.125%
HK$7,858
baseline
▲ 0.50% · 4.625%
HK$8,336
+HK$478/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,716/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,226
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,447
−HK$224/mo
Today · 4.125%
HK$8,671
baseline
▲ 0.50% · 4.625%
HK$9,128
+HK$457/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,342/mo (50% DSR)
Upfront cash ≈ HK$180K (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).