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$4,204
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,335
−HK$133/mo
Today · 4.125%
HK$4,468
baseline
▲ 0.50% · 4.625%
HK$4,740
+HK$272/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$8,936/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,677
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,802
−HK$128/mo
Today · 4.125%
HK$4,930
baseline
▲ 0.50% · 4.625%
HK$5,190
+HK$260/mo
Deposit HK$922K · loan HK$922K · min. income ≈ HK$9,860/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,045
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,202
−HK$159/mo
Today · 4.125%
HK$5,361
baseline
▲ 0.50% · 4.625%
HK$5,688
+HK$327/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$10,722/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,612
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,763
−HK$153/mo
Today · 4.125%
HK$5,916
baseline
▲ 0.50% · 4.625%
HK$6,228
+HK$312/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$11,832/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,886
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,069
−HK$186/mo
Today · 4.125%
HK$6,255
baseline
▲ 0.50% · 4.625%
HK$6,635
+HK$380/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,510/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,548
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,723
−HK$179/mo
Today · 4.125%
HK$6,902
baseline
▲ 0.50% · 4.625%
HK$7,265
+HK$363/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,804/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,567
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,803
−HK$239/mo
Today · 4.125%
HK$8,042
baseline
▲ 0.50% · 4.625%
HK$8,531
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,084/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$8,419
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,644
−HK$230/mo
Today · 4.125%
HK$8,874
baseline
▲ 0.50% · 4.625%
HK$9,341
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,748/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).