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$4,200
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,330
−HK$133/mo
Today · 4.125%
HK$4,463
baseline
▲ 0.50% · 4.625%
HK$4,734
+HK$271/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,926/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,672
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,797
−HK$127/mo
Today · 4.125%
HK$4,924
baseline
▲ 0.50% · 4.625%
HK$5,184
+HK$260/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,848/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,039
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,196
−HK$159/mo
Today · 4.125%
HK$5,355
baseline
▲ 0.50% · 4.625%
HK$5,681
+HK$326/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$10,710/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,606
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,757
−HK$152/mo
Today · 4.125%
HK$5,909
baseline
▲ 0.50% · 4.625%
HK$6,221
+HK$312/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$11,818/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,879
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,062
−HK$186/mo
Today · 4.125%
HK$6,248
baseline
▲ 0.50% · 4.625%
HK$6,628
+HK$380/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,496/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,541
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,716
−HK$178/mo
Today · 4.125%
HK$6,894
baseline
▲ 0.50% · 4.625%
HK$7,257
+HK$363/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,788/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,559
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,794
−HK$239/mo
Today · 4.125%
HK$8,033
baseline
▲ 0.50% · 4.625%
HK$8,522
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,066/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,409
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$229/mo
Today · 4.125%
HK$8,864
baseline
▲ 0.50% · 4.625%
HK$9,331
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,728/mo (50% DSR)
Upfront cash ≈ HK$184K (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).