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$4,181
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,311
−HK$132/mo
Today · 4.125%
HK$4,443
baseline
▲ 0.50% · 4.625%
HK$4,713
+HK$270/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$8,886/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$4,651
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,776
−HK$127/mo
Today · 4.125%
HK$4,903
baseline
▲ 0.50% · 4.625%
HK$5,161
+HK$258/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$9,806/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$5,017
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,173
−HK$159/mo
Today · 4.125%
HK$5,332
baseline
▲ 0.50% · 4.625%
HK$5,656
+HK$324/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$10,664/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$5,581
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,731
−HK$152/mo
Today · 4.125%
HK$5,883
baseline
▲ 0.50% · 4.625%
HK$6,193
+HK$310/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$11,766/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$5,853
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,035
−HK$185/mo
Today · 4.125%
HK$6,220
baseline
▲ 0.50% · 4.625%
HK$6,599
+HK$379/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$12,440/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$6,512
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,686
−HK$178/mo
Today · 4.125%
HK$6,864
baseline
▲ 0.50% · 4.625%
HK$7,225
+HK$361/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$13,728/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$7,526
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,760
−HK$238/mo
Today · 4.125%
HK$7,998
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,996/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,372
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,597
−HK$228/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,290
+HK$465/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,650/mo (50% DSR)
Upfront cash ≈ HK$183K (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).