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$4,212
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,343
−HK$133/mo
Today · 4.125%
HK$4,476
baseline
▲ 0.50% · 4.625%
HK$4,748
+HK$272/mo
Deposit HK$924K · loan HK$924K · min. income ≈ HK$8,952/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,686
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,811
−HK$128/mo
Today · 4.125%
HK$4,939
baseline
▲ 0.50% · 4.625%
HK$5,199
+HK$260/mo
Deposit HK$924K · loan HK$924K · min. income ≈ HK$9,878/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,054
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,211
−HK$160/mo
Today · 4.125%
HK$5,371
baseline
▲ 0.50% · 4.625%
HK$5,698
+HK$327/mo
Deposit HK$739K · loan HK$1.11M · min. income ≈ HK$10,742/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,623
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,774
−HK$153/mo
Today · 4.125%
HK$5,927
baseline
▲ 0.50% · 4.625%
HK$6,239
+HK$312/mo
Deposit HK$739K · loan HK$1.11M · min. income ≈ HK$11,854/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,897
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,080
−HK$186/mo
Today · 4.125%
HK$6,266
baseline
▲ 0.50% · 4.625%
HK$6,648
+HK$382/mo
Deposit HK$554K · loan HK$1.29M · min. income ≈ HK$12,532/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,560
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$178/mo
Today · 4.125%
HK$6,914
baseline
▲ 0.50% · 4.625%
HK$7,279
+HK$365/mo
Deposit HK$554K · loan HK$1.29M · min. income ≈ HK$13,828/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,581
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,817
−HK$240/mo
Today · 4.125%
HK$8,057
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$490/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,114/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$8,434
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,660
−HK$230/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$469/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,780/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).