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$4,115
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,243
−HK$130/mo
Today · 4.125%
HK$4,373
baseline
▲ 0.50% · 4.625%
HK$4,639
+HK$266/mo
Deposit HK$902K · loan HK$902K · min. income ≈ HK$8,746/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,578
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,701
−HK$124/mo
Today · 4.125%
HK$4,825
baseline
▲ 0.50% · 4.625%
HK$5,080
+HK$255/mo
Deposit HK$902K · loan HK$902K · min. income ≈ HK$9,650/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,938
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,092
−HK$156/mo
Today · 4.125%
HK$5,248
baseline
▲ 0.50% · 4.625%
HK$5,567
+HK$319/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$10,496/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,494
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,641
−HK$149/mo
Today · 4.125%
HK$5,790
baseline
▲ 0.50% · 4.625%
HK$6,096
+HK$306/mo
Deposit HK$722K · loan HK$1.08M · min. income ≈ HK$11,580/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,761
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,940
−HK$182/mo
Today · 4.125%
HK$6,122
baseline
▲ 0.50% · 4.625%
HK$6,495
+HK$373/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$12,244/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,409
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,581
−HK$174/mo
Today · 4.125%
HK$6,755
baseline
▲ 0.50% · 4.625%
HK$7,111
+HK$356/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$13,510/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,407
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,637
−HK$235/mo
Today · 4.125%
HK$7,872
baseline
▲ 0.50% · 4.625%
HK$8,351
+HK$479/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,744/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,240
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$224/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$458/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,370/mo (50% DSR)
Upfront cash ≈ HK$181K (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).