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$4,191
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,321
−HK$133/mo
Today · 4.125%
HK$4,454
baseline
▲ 0.50% · 4.625%
HK$4,725
+HK$271/mo
Deposit HK$919K · loan HK$919K · min. income ≈ HK$8,908/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,662
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,788
−HK$126/mo
Today · 4.125%
HK$4,914
baseline
▲ 0.50% · 4.625%
HK$5,173
+HK$259/mo
Deposit HK$919K · loan HK$919K · min. income ≈ HK$9,828/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,029
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,186
−HK$159/mo
Today · 4.125%
HK$5,345
baseline
▲ 0.50% · 4.625%
HK$5,670
+HK$325/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$10,690/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,595
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,745
−HK$152/mo
Today · 4.125%
HK$5,897
baseline
▲ 0.50% · 4.625%
HK$6,208
+HK$311/mo
Deposit HK$735K · loan HK$1.10M · min. income ≈ HK$11,794/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,867
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,050
−HK$185/mo
Today · 4.125%
HK$6,235
baseline
▲ 0.50% · 4.625%
HK$6,615
+HK$380/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$12,470/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,527
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,703
−HK$177/mo
Today · 4.125%
HK$6,880
baseline
▲ 0.50% · 4.625%
HK$7,243
+HK$363/mo
Deposit HK$551K · loan HK$1.29M · min. income ≈ HK$13,760/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,544
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$238/mo
Today · 4.125%
HK$8,017
baseline
▲ 0.50% · 4.625%
HK$8,505
+HK$488/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,034/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,392
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,618
−HK$228/mo
Today · 4.125%
HK$8,846
baseline
▲ 0.50% · 4.625%
HK$9,312
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,692/mo (50% DSR)
Upfront cash ≈ HK$184K (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).