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$4,275
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,408
−HK$135/mo
Today · 4.125%
HK$4,543
baseline
▲ 0.50% · 4.625%
HK$4,819
+HK$276/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$9,086/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,756
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,883
−HK$130/mo
Today · 4.125%
HK$5,013
baseline
▲ 0.50% · 4.625%
HK$5,277
+HK$264/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$10,026/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,130
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,289
−HK$162/mo
Today · 4.125%
HK$5,451
baseline
▲ 0.50% · 4.625%
HK$5,783
+HK$332/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$10,902/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,707
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,860
−HK$155/mo
Today · 4.125%
HK$6,015
baseline
▲ 0.50% · 4.625%
HK$6,332
+HK$317/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$12,030/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,985
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,171
−HK$189/mo
Today · 4.125%
HK$6,360
baseline
▲ 0.50% · 4.625%
HK$6,747
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,720/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,658
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,837
−HK$181/mo
Today · 4.125%
HK$7,018
baseline
▲ 0.50% · 4.625%
HK$7,388
+HK$370/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,036/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,695
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$243/mo
Today · 4.125%
HK$8,177
baseline
▲ 0.50% · 4.625%
HK$8,675
+HK$498/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,354/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,560
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$233/mo
Today · 4.125%
HK$9,023
baseline
▲ 0.50% · 4.625%
HK$9,498
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,046/mo (50% DSR)
Upfront cash ≈ HK$188K (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).