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$4,183
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,313
−HK$132/mo
Today · 4.125%
HK$4,445
baseline
▲ 0.50% · 4.625%
HK$4,716
+HK$271/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$8,890/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,653
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,778
−HK$127/mo
Today · 4.125%
HK$4,905
baseline
▲ 0.50% · 4.625%
HK$5,163
+HK$258/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$9,810/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,019
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,176
−HK$158/mo
Today · 4.125%
HK$5,334
baseline
▲ 0.50% · 4.625%
HK$5,659
+HK$325/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$10,668/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,584
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,734
−HK$152/mo
Today · 4.125%
HK$5,886
baseline
▲ 0.50% · 4.625%
HK$6,196
+HK$310/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$11,772/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,856
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,038
−HK$185/mo
Today · 4.125%
HK$6,223
baseline
▲ 0.50% · 4.625%
HK$6,602
+HK$379/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$12,446/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,515
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,689
−HK$178/mo
Today · 4.125%
HK$6,867
baseline
▲ 0.50% · 4.625%
HK$7,229
+HK$362/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$13,734/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,529
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,763
−HK$238/mo
Today · 4.125%
HK$8,001
baseline
▲ 0.50% · 4.625%
HK$8,488
+HK$487/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$16,002/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$8,376
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,601
−HK$228/mo
Today · 4.125%
HK$8,829
baseline
▲ 0.50% · 4.625%
HK$9,294
+HK$465/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,658/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).