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$4,270
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,403
−HK$135/mo
Today · 4.125%
HK$4,538
baseline
▲ 0.50% · 4.625%
HK$4,814
+HK$276/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$9,076/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,751
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,878
−HK$129/mo
Today · 4.125%
HK$5,007
baseline
▲ 0.50% · 4.625%
HK$5,271
+HK$264/mo
Deposit HK$936K · loan HK$936K · min. income ≈ HK$10,014/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,124
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,284
−HK$162/mo
Today · 4.125%
HK$5,446
baseline
▲ 0.50% · 4.625%
HK$5,777
+HK$331/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$10,892/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,701
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,854
−HK$155/mo
Today · 4.125%
HK$6,009
baseline
▲ 0.50% · 4.625%
HK$6,325
+HK$316/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$12,018/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,978
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,164
−HK$189/mo
Today · 4.125%
HK$6,353
baseline
▲ 0.50% · 4.625%
HK$6,740
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,706/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,651
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,829
−HK$181/mo
Today · 4.125%
HK$7,010
baseline
▲ 0.50% · 4.625%
HK$7,380
+HK$370/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,020/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,686
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,925
−HK$243/mo
Today · 4.125%
HK$8,168
baseline
▲ 0.50% · 4.625%
HK$8,665
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,336/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$8,551
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,780
−HK$233/mo
Today · 4.125%
HK$9,013
baseline
▲ 0.50% · 4.625%
HK$9,488
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,026/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).