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$4,133
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,261
−HK$131/mo
Today · 4.125%
HK$4,392
baseline
▲ 0.50% · 4.625%
HK$4,659
+HK$267/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$8,784/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,598
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,721
−HK$125/mo
Today · 4.125%
HK$4,846
baseline
▲ 0.50% · 4.625%
HK$5,102
+HK$256/mo
Deposit HK$906K · loan HK$906K · min. income ≈ HK$9,692/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,959
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,114
−HK$156/mo
Today · 4.125%
HK$5,270
baseline
▲ 0.50% · 4.625%
HK$5,591
+HK$321/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$10,540/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,517
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,665
−HK$150/mo
Today · 4.125%
HK$5,815
baseline
▲ 0.50% · 4.625%
HK$6,122
+HK$307/mo
Deposit HK$725K · loan HK$1.09M · min. income ≈ HK$11,630/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,786
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,966
−HK$183/mo
Today · 4.125%
HK$6,149
baseline
▲ 0.50% · 4.625%
HK$6,523
+HK$374/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,298/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$6,437
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,610
−HK$175/mo
Today · 4.125%
HK$6,785
baseline
▲ 0.50% · 4.625%
HK$7,142
+HK$357/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,570/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$7,439
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,671
−HK$235/mo
Today · 4.125%
HK$7,906
baseline
▲ 0.50% · 4.625%
HK$8,387
+HK$481/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,812/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,276
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,498
−HK$225/mo
Today · 4.125%
HK$8,723
baseline
▲ 0.50% · 4.625%
HK$9,183
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,446/mo (50% DSR)
Upfront cash ≈ HK$181K (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).