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$4,228
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,360
−HK$133/mo
Today · 4.125%
HK$4,493
baseline
▲ 0.50% · 4.625%
HK$4,767
+HK$274/mo
Deposit HK$927K · loan HK$927K · min. income ≈ HK$8,986/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,704
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,830
−HK$128/mo
Today · 4.125%
HK$4,958
baseline
▲ 0.50% · 4.625%
HK$5,219
+HK$261/mo
Deposit HK$927K · loan HK$927K · min. income ≈ HK$9,916/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,074
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,232
−HK$160/mo
Today · 4.125%
HK$5,392
baseline
▲ 0.50% · 4.625%
HK$5,720
+HK$328/mo
Deposit HK$742K · loan HK$1.11M · min. income ≈ HK$10,784/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,644
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,796
−HK$153/mo
Today · 4.125%
HK$5,949
baseline
▲ 0.50% · 4.625%
HK$6,263
+HK$314/mo
Deposit HK$742K · loan HK$1.11M · min. income ≈ HK$11,898/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,919
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,103
−HK$188/mo
Today · 4.125%
HK$6,291
baseline
▲ 0.50% · 4.625%
HK$6,673
+HK$382/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$12,582/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$6,585
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,762
−HK$179/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,307
+HK$366/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$13,882/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$7,611
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,847
−HK$241/mo
Today · 4.125%
HK$8,088
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$492/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$16,176/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,467
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$230/mo
Today · 4.125%
HK$8,924
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$471/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$17,848/mo (50% DSR)
Upfront cash ≈ HK$186K (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).