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$4,155
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,284
−HK$132/mo
Today · 4.125%
HK$4,416
baseline
▲ 0.50% · 4.625%
HK$4,684
+HK$268/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$8,832/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,623
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,746
−HK$126/mo
Today · 4.125%
HK$4,872
baseline
▲ 0.50% · 4.625%
HK$5,129
+HK$257/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$9,744/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,986
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,141
−HK$158/mo
Today · 4.125%
HK$5,299
baseline
▲ 0.50% · 4.625%
HK$5,621
+HK$322/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$10,598/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,547
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,696
−HK$151/mo
Today · 4.125%
HK$5,847
baseline
▲ 0.50% · 4.625%
HK$6,155
+HK$308/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$11,694/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,817
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,998
−HK$184/mo
Today · 4.125%
HK$6,182
baseline
▲ 0.50% · 4.625%
HK$6,558
+HK$376/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,364/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,472
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,645
−HK$176/mo
Today · 4.125%
HK$6,821
baseline
▲ 0.50% · 4.625%
HK$7,181
+HK$360/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,642/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,479
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$236/mo
Today · 4.125%
HK$7,948
baseline
▲ 0.50% · 4.625%
HK$8,432
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,896/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,321
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,544
−HK$226/mo
Today · 4.125%
HK$8,770
baseline
▲ 0.50% · 4.625%
HK$9,232
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,540/mo (50% DSR)
Upfront cash ≈ HK$182K (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).