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$4,172
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,302
−HK$132/mo
Today · 4.125%
HK$4,434
baseline
▲ 0.50% · 4.625%
HK$4,704
+HK$270/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$8,868/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,641
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,766
−HK$126/mo
Today · 4.125%
HK$4,892
baseline
▲ 0.50% · 4.625%
HK$5,150
+HK$258/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$9,784/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,007
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,162
−HK$158/mo
Today · 4.125%
HK$5,320
baseline
▲ 0.50% · 4.625%
HK$5,644
+HK$324/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$10,640/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,570
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,719
−HK$152/mo
Today · 4.125%
HK$5,871
baseline
▲ 0.50% · 4.625%
HK$6,180
+HK$309/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$11,742/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,841
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,023
−HK$184/mo
Today · 4.125%
HK$6,207
baseline
▲ 0.50% · 4.625%
HK$6,585
+HK$378/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$12,414/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,498
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,672
−HK$177/mo
Today · 4.125%
HK$6,849
baseline
▲ 0.50% · 4.625%
HK$7,210
+HK$361/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$13,698/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,510
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,743
−HK$238/mo
Today · 4.125%
HK$7,981
baseline
▲ 0.50% · 4.625%
HK$8,466
+HK$485/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,962/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,355
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,579
−HK$227/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$464/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,612/mo (50% DSR)
Upfront cash ≈ HK$183K (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).