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$4,106
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,233
−HK$130/mo
Today · 4.125%
HK$4,363
baseline
▲ 0.50% · 4.625%
HK$4,629
+HK$266/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$8,726/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,567
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,690
−HK$124/mo
Today · 4.125%
HK$4,814
baseline
▲ 0.50% · 4.625%
HK$5,068
+HK$254/mo
Deposit HK$900K · loan HK$900K · min. income ≈ HK$9,628/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,927
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,080
−HK$156/mo
Today · 4.125%
HK$5,236
baseline
▲ 0.50% · 4.625%
HK$5,554
+HK$318/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$10,472/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,481
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,628
−HK$149/mo
Today · 4.125%
HK$5,777
baseline
▲ 0.50% · 4.625%
HK$6,082
+HK$305/mo
Deposit HK$720K · loan HK$1.08M · min. income ≈ HK$11,554/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,748
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,927
−HK$181/mo
Today · 4.125%
HK$6,108
baseline
▲ 0.50% · 4.625%
HK$6,480
+HK$372/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$12,216/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,394
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,566
−HK$174/mo
Today · 4.125%
HK$6,740
baseline
▲ 0.50% · 4.625%
HK$7,095
+HK$355/mo
Deposit HK$540K · loan HK$1.26M · min. income ≈ HK$13,480/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,390
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,620
−HK$233/mo
Today · 4.125%
HK$7,853
baseline
▲ 0.50% · 4.625%
HK$8,331
+HK$478/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,706/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,221
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,442
−HK$224/mo
Today · 4.125%
HK$8,666
baseline
▲ 0.50% · 4.625%
HK$9,122
+HK$456/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,332/mo (50% DSR)
Upfront cash ≈ HK$180K (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).