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$4,143
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,272
−HK$131/mo
Today · 4.125%
HK$4,403
baseline
▲ 0.50% · 4.625%
HK$4,671
+HK$268/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$8,806/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,609
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,733
−HK$125/mo
Today · 4.125%
HK$4,858
baseline
▲ 0.50% · 4.625%
HK$5,114
+HK$256/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$9,716/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,972
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,127
−HK$157/mo
Today · 4.125%
HK$5,284
baseline
▲ 0.50% · 4.625%
HK$5,605
+HK$321/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$10,568/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,531
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,679
−HK$151/mo
Today · 4.125%
HK$5,830
baseline
▲ 0.50% · 4.625%
HK$6,137
+HK$307/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$11,660/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,801
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,981
−HK$183/mo
Today · 4.125%
HK$6,164
baseline
▲ 0.50% · 4.625%
HK$6,539
+HK$375/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,328/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,453
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,626
−HK$176/mo
Today · 4.125%
HK$6,802
baseline
▲ 0.50% · 4.625%
HK$7,160
+HK$358/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,604/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,458
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$235/mo
Today · 4.125%
HK$7,925
baseline
▲ 0.50% · 4.625%
HK$8,408
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,850/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,297
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$226/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,206
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,490/mo (50% DSR)
Upfront cash ≈ HK$182K (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).