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$4,234
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,365
−HK$134/mo
Today · 4.125%
HK$4,499
baseline
▲ 0.50% · 4.625%
HK$4,773
+HK$274/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$8,998/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,710
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,836
−HK$128/mo
Today · 4.125%
HK$4,964
baseline
▲ 0.50% · 4.625%
HK$5,226
+HK$262/mo
Deposit HK$928K · loan HK$928K · min. income ≈ HK$9,928/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,080
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,238
−HK$161/mo
Today · 4.125%
HK$5,399
baseline
▲ 0.50% · 4.625%
HK$5,727
+HK$328/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$10,798/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,652
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,803
−HK$154/mo
Today · 4.125%
HK$5,957
baseline
▲ 0.50% · 4.625%
HK$6,271
+HK$314/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$11,914/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,927
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,111
−HK$188/mo
Today · 4.125%
HK$6,299
baseline
▲ 0.50% · 4.625%
HK$6,682
+HK$383/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,598/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,594
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,770
−HK$180/mo
Today · 4.125%
HK$6,950
baseline
▲ 0.50% · 4.625%
HK$7,316
+HK$366/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,900/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,620
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$241/mo
Today · 4.125%
HK$8,098
baseline
▲ 0.50% · 4.625%
HK$8,591
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,196/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,478
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$231/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$471/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,872/mo (50% DSR)
Upfront cash ≈ HK$186K (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).