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$4,265
−HK$131/mo
Today · 4.125%
HK$4,396
baseline
▲ 0.50% · 4.625%
HK$4,663
+HK$267/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$248/mo
▼ 0.25% · 3.875%
HK$4,725
−HK$125/mo
Today · 4.125%
HK$4,850
baseline
▲ 0.50% · 4.625%
HK$5,106
+HK$256/mo
Deposit HK$907K · loan HK$907K · min. income ≈ HK$9,700/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$311/mo
▼ 0.25% · 3.875%
HK$5,118
−HK$157/mo
Today · 4.125%
HK$5,275
baseline
▲ 0.50% · 4.625%
HK$5,596
+HK$321/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$10,550/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$5,522
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,670
−HK$151/mo
Today · 4.125%
HK$5,821
baseline
▲ 0.50% · 4.625%
HK$6,127
+HK$306/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$5,791
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,971
−HK$183/mo
Today · 4.125%
HK$6,154
baseline
▲ 0.50% · 4.625%
HK$6,529
+HK$375/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,308/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$6,615
−HK$176/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$7,446
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,677
−HK$236/mo
Today · 4.125%
HK$7,913
baseline
▲ 0.50% · 4.625%
HK$8,394
+HK$481/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,826/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$8,283
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,505
−HK$226/mo
Today · 4.125%
HK$8,731
baseline
▲ 0.50% · 4.625%
HK$9,191
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,462/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).