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$4,266
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,399
−HK$135/mo
Today · 4.125%
HK$4,534
baseline
▲ 0.50% · 4.625%
HK$4,810
+HK$276/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$9,068/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,746
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,874
−HK$129/mo
Today · 4.125%
HK$5,003
baseline
▲ 0.50% · 4.625%
HK$5,267
+HK$264/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$10,006/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,120
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,279
−HK$162/mo
Today · 4.125%
HK$5,441
baseline
▲ 0.50% · 4.625%
HK$5,772
+HK$331/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$10,882/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,696
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,848
−HK$155/mo
Today · 4.125%
HK$6,003
baseline
▲ 0.50% · 4.625%
HK$6,320
+HK$317/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$12,006/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,973
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,159
−HK$189/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,734
+HK$386/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$12,696/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,645
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,823
−HK$181/mo
Today · 4.125%
HK$7,004
baseline
▲ 0.50% · 4.625%
HK$7,373
+HK$369/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$14,008/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,680
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$242/mo
Today · 4.125%
HK$8,161
baseline
▲ 0.50% · 4.625%
HK$8,658
+HK$497/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,322/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,544
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,773
−HK$232/mo
Today · 4.125%
HK$9,005
baseline
▲ 0.50% · 4.625%
HK$9,480
+HK$475/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$18,010/mo (50% DSR)
Upfront cash ≈ HK$187K (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).