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$4,137
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,266
−HK$130/mo
Today · 4.125%
HK$4,396
baseline
▲ 0.50% · 4.625%
HK$4,664
+HK$268/mo
Deposit HK$907K · loan HK$907K · min. income ≈ HK$8,792/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,602
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,726
−HK$125/mo
Today · 4.125%
HK$4,851
baseline
▲ 0.50% · 4.625%
HK$5,107
+HK$256/mo
Deposit HK$907K · loan HK$907K · min. income ≈ HK$9,702/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,964
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,119
−HK$157/mo
Today · 4.125%
HK$5,276
baseline
▲ 0.50% · 4.625%
HK$5,597
+HK$321/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$10,552/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,523
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,671
−HK$150/mo
Today · 4.125%
HK$5,821
baseline
▲ 0.50% · 4.625%
HK$6,128
+HK$307/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$11,642/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,792
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,972
−HK$183/mo
Today · 4.125%
HK$6,155
baseline
▲ 0.50% · 4.625%
HK$6,530
+HK$375/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,310/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,443
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,616
−HK$175/mo
Today · 4.125%
HK$6,791
baseline
▲ 0.50% · 4.625%
HK$7,149
+HK$358/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,582/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,447
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,678
−HK$236/mo
Today · 4.125%
HK$7,914
baseline
▲ 0.50% · 4.625%
HK$8,395
+HK$481/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,828/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$8,284
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,506
−HK$226/mo
Today · 4.125%
HK$8,732
baseline
▲ 0.50% · 4.625%
HK$9,192
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,464/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).