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$4,262
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,395
−HK$134/mo
Today · 4.125%
HK$4,529
baseline
▲ 0.50% · 4.625%
HK$4,805
+HK$276/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$9,058/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,742
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,869
−HK$129/mo
Today · 4.125%
HK$4,998
baseline
▲ 0.50% · 4.625%
HK$5,261
+HK$263/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$9,996/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,115
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,274
−HK$161/mo
Today · 4.125%
HK$5,435
baseline
▲ 0.50% · 4.625%
HK$5,766
+HK$331/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$10,870/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,690
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,843
−HK$154/mo
Today · 4.125%
HK$5,997
baseline
▲ 0.50% · 4.625%
HK$6,313
+HK$316/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$11,994/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,967
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,153
−HK$188/mo
Today · 4.125%
HK$6,341
baseline
▲ 0.50% · 4.625%
HK$6,727
+HK$386/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$12,682/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,638
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,816
−HK$181/mo
Today · 4.125%
HK$6,997
baseline
▲ 0.50% · 4.625%
HK$7,366
+HK$369/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$13,994/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,672
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,910
−HK$243/mo
Today · 4.125%
HK$8,153
baseline
▲ 0.50% · 4.625%
HK$8,649
+HK$496/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,306/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,535
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$232/mo
Today · 4.125%
HK$8,996
baseline
▲ 0.50% · 4.625%
HK$9,470
+HK$474/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,992/mo (50% DSR)
Upfront cash ≈ HK$187K (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).