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$4,179
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,309
−HK$132/mo
Today · 4.125%
HK$4,441
baseline
▲ 0.50% · 4.625%
HK$4,711
+HK$270/mo
Deposit HK$916K · loan HK$916K · min. income ≈ HK$8,882/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,649
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,774
−HK$126/mo
Today · 4.125%
HK$4,900
baseline
▲ 0.50% · 4.625%
HK$5,159
+HK$259/mo
Deposit HK$916K · loan HK$916K · min. income ≈ HK$9,800/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,015
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,171
−HK$158/mo
Today · 4.125%
HK$5,329
baseline
▲ 0.50% · 4.625%
HK$5,654
+HK$325/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$10,658/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,579
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,729
−HK$151/mo
Today · 4.125%
HK$5,880
baseline
▲ 0.50% · 4.625%
HK$6,190
+HK$310/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$11,760/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,851
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,033
−HK$184/mo
Today · 4.125%
HK$6,217
baseline
▲ 0.50% · 4.625%
HK$6,596
+HK$379/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$12,434/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,509
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,683
−HK$177/mo
Today · 4.125%
HK$6,860
baseline
▲ 0.50% · 4.625%
HK$7,222
+HK$362/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$13,720/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,522
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,756
−HK$238/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,480
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,988/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$8,368
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$227/mo
Today · 4.125%
HK$8,820
baseline
▲ 0.50% · 4.625%
HK$9,285
+HK$465/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,640/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).