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$4,199
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,329
−HK$133/mo
Today · 4.125%
HK$4,462
baseline
▲ 0.50% · 4.625%
HK$4,733
+HK$271/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,924/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$4,671
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,796
−HK$127/mo
Today · 4.125%
HK$4,923
baseline
▲ 0.50% · 4.625%
HK$5,183
+HK$260/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,846/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$5,038
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,195
−HK$159/mo
Today · 4.125%
HK$5,354
baseline
▲ 0.50% · 4.625%
HK$5,680
+HK$326/mo
Deposit HK$737K · loan HK$1.10M · min. income ≈ HK$10,708/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$5,605
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,755
−HK$153/mo
Today · 4.125%
HK$5,908
baseline
▲ 0.50% · 4.625%
HK$6,219
+HK$311/mo
Deposit HK$737K · loan HK$1.10M · min. income ≈ HK$11,816/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$5,878
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,061
−HK$186/mo
Today · 4.125%
HK$6,247
baseline
▲ 0.50% · 4.625%
HK$6,627
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,494/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,539
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,715
−HK$178/mo
Today · 4.125%
HK$6,893
baseline
▲ 0.50% · 4.625%
HK$7,256
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,786/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,557
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,793
−HK$238/mo
Today · 4.125%
HK$8,031
baseline
▲ 0.50% · 4.625%
HK$8,520
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,062/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$8,408
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,633
−HK$229/mo
Today · 4.125%
HK$8,862
baseline
▲ 0.50% · 4.625%
HK$9,329
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,724/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).