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$4,255
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,387
−HK$135/mo
Today · 4.125%
HK$4,522
baseline
▲ 0.50% · 4.625%
HK$4,797
+HK$275/mo
Deposit HK$933K · loan HK$933K · min. income ≈ HK$9,044/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,734
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,861
−HK$128/mo
Today · 4.125%
HK$4,989
baseline
▲ 0.50% · 4.625%
HK$5,252
+HK$263/mo
Deposit HK$933K · loan HK$933K · min. income ≈ HK$9,978/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,106
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,265
−HK$161/mo
Today · 4.125%
HK$5,426
baseline
▲ 0.50% · 4.625%
HK$5,756
+HK$330/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$10,852/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,680
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,833
−HK$154/mo
Today · 4.125%
HK$5,987
baseline
▲ 0.50% · 4.625%
HK$6,303
+HK$316/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$11,974/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,957
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,142
−HK$189/mo
Today · 4.125%
HK$6,331
baseline
▲ 0.50% · 4.625%
HK$6,716
+HK$385/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$12,662/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,627
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,805
−HK$180/mo
Today · 4.125%
HK$6,985
baseline
▲ 0.50% · 4.625%
HK$7,353
+HK$368/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$13,970/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,659
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,897
−HK$242/mo
Today · 4.125%
HK$8,139
baseline
▲ 0.50% · 4.625%
HK$8,635
+HK$496/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,278/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,521
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,749
−HK$232/mo
Today · 4.125%
HK$8,981
baseline
▲ 0.50% · 4.625%
HK$9,454
+HK$473/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,962/mo (50% DSR)
Upfront cash ≈ HK$187K (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).