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$4,224
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,356
−HK$133/mo
Today · 4.125%
HK$4,489
baseline
▲ 0.50% · 4.625%
HK$4,763
+HK$274/mo
Deposit HK$926K · loan HK$926K · min. income ≈ HK$8,978/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,700
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,826
−HK$128/mo
Today · 4.125%
HK$4,954
baseline
▲ 0.50% · 4.625%
HK$5,215
+HK$261/mo
Deposit HK$926K · loan HK$926K · min. income ≈ HK$9,908/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,069
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,227
−HK$160/mo
Today · 4.125%
HK$5,387
baseline
▲ 0.50% · 4.625%
HK$5,715
+HK$328/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$10,774/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,640
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,791
−HK$153/mo
Today · 4.125%
HK$5,944
baseline
▲ 0.50% · 4.625%
HK$6,258
+HK$314/mo
Deposit HK$741K · loan HK$1.11M · min. income ≈ HK$11,888/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,914
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,098
−HK$187/mo
Today · 4.125%
HK$6,285
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$383/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$12,570/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,580
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,756
−HK$179/mo
Today · 4.125%
HK$6,935
baseline
▲ 0.50% · 4.625%
HK$7,301
+HK$366/mo
Deposit HK$556K · loan HK$1.30M · min. income ≈ HK$13,870/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,604
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,841
−HK$240/mo
Today · 4.125%
HK$8,081
baseline
▲ 0.50% · 4.625%
HK$8,573
+HK$492/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$16,162/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,459
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,686
−HK$230/mo
Today · 4.125%
HK$8,916
baseline
▲ 0.50% · 4.625%
HK$9,386
+HK$470/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$17,832/mo (50% DSR)
Upfront cash ≈ HK$185K (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).