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$4,141
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,270
−HK$131/mo
Today · 4.125%
HK$4,401
baseline
▲ 0.50% · 4.625%
HK$4,669
+HK$268/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$8,802/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,607
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,731
−HK$125/mo
Today · 4.125%
HK$4,856
baseline
▲ 0.50% · 4.625%
HK$5,112
+HK$256/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$9,712/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,969
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,124
−HK$157/mo
Today · 4.125%
HK$5,281
baseline
▲ 0.50% · 4.625%
HK$5,602
+HK$321/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$10,562/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,528
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,677
−HK$150/mo
Today · 4.125%
HK$5,827
baseline
▲ 0.50% · 4.625%
HK$6,134
+HK$307/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$11,654/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,798
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,978
−HK$183/mo
Today · 4.125%
HK$6,161
baseline
▲ 0.50% · 4.625%
HK$6,536
+HK$375/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,322/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,450
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,623
−HK$175/mo
Today · 4.125%
HK$6,798
baseline
▲ 0.50% · 4.625%
HK$7,157
+HK$359/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,596/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,454
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,686
−HK$236/mo
Today · 4.125%
HK$7,922
baseline
▲ 0.50% · 4.625%
HK$8,404
+HK$482/mo
Deposit HK$182K · loan HK$1.63M · min. income ≈ HK$15,844/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$8,293
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,515
−HK$226/mo
Today · 4.125%
HK$8,741
baseline
▲ 0.50% · 4.625%
HK$9,201
+HK$460/mo
Deposit HK$182K · loan HK$1.63M · min. income ≈ HK$17,482/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).