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$4,136
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,265
−HK$130/mo
Today · 4.125%
HK$4,395
baseline
▲ 0.50% · 4.625%
HK$4,663
+HK$268/mo
Deposit HK$907K · loan HK$907K · min. income ≈ HK$8,790/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$4,601
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,725
−HK$125/mo
Today · 4.125%
HK$4,850
baseline
▲ 0.50% · 4.625%
HK$5,105
+HK$255/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$4,963
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,117
−HK$157/mo
Today · 4.125%
HK$5,274
baseline
▲ 0.50% · 4.625%
HK$5,595
+HK$321/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$10,548/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$5,521
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,669
−HK$151/mo
Today · 4.125%
HK$5,820
baseline
▲ 0.50% · 4.625%
HK$6,126
+HK$306/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$11,640/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$5,790
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,970
−HK$183/mo
Today · 4.125%
HK$6,153
baseline
▲ 0.50% · 4.625%
HK$6,528
+HK$375/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,306/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$6,442
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,614
−HK$176/mo
Today · 4.125%
HK$6,790
baseline
▲ 0.50% · 4.625%
HK$7,148
+HK$358/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,580/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$7,445
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,676
−HK$235/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,393
+HK$482/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,822/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$8,282
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,504
−HK$226/mo
Today · 4.125%
HK$8,730
baseline
▲ 0.50% · 4.625%
HK$9,190
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,460/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).