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$4,125
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,253
−HK$131/mo
Today · 4.125%
HK$4,384
baseline
▲ 0.50% · 4.625%
HK$4,650
+HK$266/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$8,768/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,589
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,712
−HK$125/mo
Today · 4.125%
HK$4,837
baseline
▲ 0.50% · 4.625%
HK$5,092
+HK$255/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$9,674/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,950
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,104
−HK$156/mo
Today · 4.125%
HK$5,260
baseline
▲ 0.50% · 4.625%
HK$5,580
+HK$320/mo
Deposit HK$724K · loan HK$1.09M · min. income ≈ HK$10,520/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,507
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,654
−HK$150/mo
Today · 4.125%
HK$5,804
baseline
▲ 0.50% · 4.625%
HK$6,110
+HK$306/mo
Deposit HK$724K · loan HK$1.09M · min. income ≈ HK$11,608/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,775
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,955
−HK$182/mo
Today · 4.125%
HK$6,137
baseline
▲ 0.50% · 4.625%
HK$6,511
+HK$374/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$12,274/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,425
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,597
−HK$175/mo
Today · 4.125%
HK$6,772
baseline
▲ 0.50% · 4.625%
HK$7,129
+HK$357/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$13,544/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,425
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,656
−HK$235/mo
Today · 4.125%
HK$7,891
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,782/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,260
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,482
−HK$224/mo
Today · 4.125%
HK$8,706
baseline
▲ 0.50% · 4.625%
HK$9,165
+HK$459/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,412/mo (50% DSR)
Upfront cash ≈ HK$181K (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).