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$4,111
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,239
−HK$130/mo
Today · 4.125%
HK$4,369
baseline
▲ 0.50% · 4.625%
HK$4,635
+HK$266/mo
Deposit HK$901K · loan HK$901K · min. income ≈ HK$8,738/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$4,574
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,696
−HK$125/mo
Today · 4.125%
HK$4,821
baseline
▲ 0.50% · 4.625%
HK$5,075
+HK$254/mo
Deposit HK$901K · loan HK$901K · min. income ≈ HK$9,642/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$4,933
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,087
−HK$156/mo
Today · 4.125%
HK$5,243
baseline
▲ 0.50% · 4.625%
HK$5,562
+HK$319/mo
Deposit HK$721K · loan HK$1.08M · min. income ≈ HK$10,486/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,488
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,636
−HK$149/mo
Today · 4.125%
HK$5,785
baseline
▲ 0.50% · 4.625%
HK$6,090
+HK$305/mo
Deposit HK$721K · loan HK$1.08M · min. income ≈ HK$11,570/mo (50% DSR)
Upfront cash ≈ HK$721K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,756
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,935
−HK$182/mo
Today · 4.125%
HK$6,117
baseline
▲ 0.50% · 4.625%
HK$6,489
+HK$372/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$12,234/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$6,403
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,575
−HK$174/mo
Today · 4.125%
HK$6,749
baseline
▲ 0.50% · 4.625%
HK$7,105
+HK$356/mo
Deposit HK$541K · loan HK$1.26M · min. income ≈ HK$13,498/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$7,400
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,630
−HK$234/mo
Today · 4.125%
HK$7,864
baseline
▲ 0.50% · 4.625%
HK$8,343
+HK$479/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,728/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$8,233
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,453
−HK$224/mo
Today · 4.125%
HK$8,677
baseline
▲ 0.50% · 4.625%
HK$9,135
+HK$458/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,354/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).