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$4,216
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,347
−HK$133/mo
Today · 4.125%
HK$4,480
baseline
▲ 0.50% · 4.625%
HK$4,753
+HK$273/mo
Deposit HK$924K · loan HK$924K · min. income ≈ HK$8,960/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,690
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,816
−HK$127/mo
Today · 4.125%
HK$4,943
baseline
▲ 0.50% · 4.625%
HK$5,204
+HK$261/mo
Deposit HK$924K · loan HK$924K · min. income ≈ HK$9,886/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,059
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,216
−HK$160/mo
Today · 4.125%
HK$5,376
baseline
▲ 0.50% · 4.625%
HK$5,703
+HK$327/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$10,752/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,628
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,779
−HK$153/mo
Today · 4.125%
HK$5,932
baseline
▲ 0.50% · 4.625%
HK$6,245
+HK$313/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$11,864/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,902
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,086
−HK$186/mo
Today · 4.125%
HK$6,272
baseline
▲ 0.50% · 4.625%
HK$6,654
+HK$382/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$12,544/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,566
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,742
−HK$179/mo
Today · 4.125%
HK$6,921
baseline
▲ 0.50% · 4.625%
HK$7,286
+HK$365/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$13,842/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,588
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,824
−HK$240/mo
Today · 4.125%
HK$8,064
baseline
▲ 0.50% · 4.625%
HK$8,555
+HK$491/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,128/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$8,442
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$230/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,367
+HK$469/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,796/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).