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$4,222
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,353
−HK$134/mo
Today · 4.125%
HK$4,487
baseline
▲ 0.50% · 4.625%
HK$4,760
+HK$273/mo
Deposit HK$926K · loan HK$926K · min. income ≈ HK$8,974/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,697
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,823
−HK$128/mo
Today · 4.125%
HK$4,951
baseline
▲ 0.50% · 4.625%
HK$5,212
+HK$261/mo
Deposit HK$926K · loan HK$926K · min. income ≈ HK$9,902/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,066
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,224
−HK$160/mo
Today · 4.125%
HK$5,384
baseline
▲ 0.50% · 4.625%
HK$5,712
+HK$328/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$10,768/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,636
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,787
−HK$154/mo
Today · 4.125%
HK$5,941
baseline
▲ 0.50% · 4.625%
HK$6,254
+HK$313/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$11,882/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,911
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,095
−HK$186/mo
Today · 4.125%
HK$6,281
baseline
▲ 0.50% · 4.625%
HK$6,664
+HK$383/mo
Deposit HK$555K · loan HK$1.30M · min. income ≈ HK$12,562/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,576
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,752
−HK$179/mo
Today · 4.125%
HK$6,931
baseline
▲ 0.50% · 4.625%
HK$7,296
+HK$365/mo
Deposit HK$555K · loan HK$1.30M · min. income ≈ HK$13,862/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,599
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,836
−HK$240/mo
Today · 4.125%
HK$8,076
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$491/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$16,152/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$8,454
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,681
−HK$230/mo
Today · 4.125%
HK$8,911
baseline
▲ 0.50% · 4.625%
HK$9,381
+HK$470/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$17,822/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).