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$4,167
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,297
−HK$131/mo
Today · 4.125%
HK$4,428
baseline
▲ 0.50% · 4.625%
HK$4,698
+HK$270/mo
Deposit HK$914K · loan HK$914K · min. income ≈ HK$8,856/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,636
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,760
−HK$126/mo
Today · 4.125%
HK$4,886
baseline
▲ 0.50% · 4.625%
HK$5,144
+HK$258/mo
Deposit HK$914K · loan HK$914K · min. income ≈ HK$9,772/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,000
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,156
−HK$158/mo
Today · 4.125%
HK$5,314
baseline
▲ 0.50% · 4.625%
HK$5,637
+HK$323/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$10,628/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,563
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,712
−HK$152/mo
Today · 4.125%
HK$5,864
baseline
▲ 0.50% · 4.625%
HK$6,173
+HK$309/mo
Deposit HK$731K · loan HK$1.10M · min. income ≈ HK$11,728/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,834
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,015
−HK$185/mo
Today · 4.125%
HK$6,200
baseline
▲ 0.50% · 4.625%
HK$6,577
+HK$377/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$12,400/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,490
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,664
−HK$177/mo
Today · 4.125%
HK$6,841
baseline
▲ 0.50% · 4.625%
HK$7,201
+HK$360/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$13,682/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,501
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,734
−HK$237/mo
Today · 4.125%
HK$7,971
baseline
▲ 0.50% · 4.625%
HK$8,456
+HK$485/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$15,942/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$8,344
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$227/mo
Today · 4.125%
HK$8,795
baseline
▲ 0.50% · 4.625%
HK$9,259
+HK$464/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$17,590/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).