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$4,210
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,341
−HK$133/mo
Today · 4.125%
HK$4,474
baseline
▲ 0.50% · 4.625%
HK$4,746
+HK$272/mo
Deposit HK$923K · loan HK$923K · min. income ≈ HK$8,948/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,684
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,809
−HK$128/mo
Today · 4.125%
HK$4,937
baseline
▲ 0.50% · 4.625%
HK$5,197
+HK$260/mo
Deposit HK$923K · loan HK$923K · min. income ≈ HK$9,874/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,052
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,209
−HK$160/mo
Today · 4.125%
HK$5,369
baseline
▲ 0.50% · 4.625%
HK$5,695
+HK$326/mo
Deposit HK$739K · loan HK$1.11M · min. income ≈ HK$10,738/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,620
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,771
−HK$153/mo
Today · 4.125%
HK$5,924
baseline
▲ 0.50% · 4.625%
HK$6,236
+HK$312/mo
Deposit HK$739K · loan HK$1.11M · min. income ≈ HK$11,848/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,894
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,077
−HK$187/mo
Today · 4.125%
HK$6,264
baseline
▲ 0.50% · 4.625%
HK$6,645
+HK$381/mo
Deposit HK$554K · loan HK$1.29M · min. income ≈ HK$12,528/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,557
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,733
−HK$178/mo
Today · 4.125%
HK$6,911
baseline
▲ 0.50% · 4.625%
HK$7,276
+HK$365/mo
Deposit HK$554K · loan HK$1.29M · min. income ≈ HK$13,822/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,578
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,814
−HK$239/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$490/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,106/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,430
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,657
−HK$229/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$468/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,772/mo (50% DSR)
Upfront cash ≈ HK$185K (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).