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$4,265
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,397
−HK$135/mo
Today · 4.125%
HK$4,532
baseline
▲ 0.50% · 4.625%
HK$4,808
+HK$276/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$9,064/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,744
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,872
−HK$129/mo
Today · 4.125%
HK$5,001
baseline
▲ 0.50% · 4.625%
HK$5,264
+HK$263/mo
Deposit HK$935K · loan HK$935K · min. income ≈ HK$10,002/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,118
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,277
−HK$162/mo
Today · 4.125%
HK$5,439
baseline
▲ 0.50% · 4.625%
HK$5,769
+HK$330/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$10,878/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,693
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$155/mo
Today · 4.125%
HK$6,001
baseline
▲ 0.50% · 4.625%
HK$6,317
+HK$316/mo
Deposit HK$748K · loan HK$1.12M · min. income ≈ HK$12,002/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,971
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,156
−HK$189/mo
Today · 4.125%
HK$6,345
baseline
▲ 0.50% · 4.625%
HK$6,731
+HK$386/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$12,690/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,642
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,820
−HK$181/mo
Today · 4.125%
HK$7,001
baseline
▲ 0.50% · 4.625%
HK$7,370
+HK$369/mo
Deposit HK$561K · loan HK$1.31M · min. income ≈ HK$14,002/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,676
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,915
−HK$243/mo
Today · 4.125%
HK$8,158
baseline
▲ 0.50% · 4.625%
HK$8,654
+HK$496/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,316/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$8,540
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$232/mo
Today · 4.125%
HK$9,001
baseline
▲ 0.50% · 4.625%
HK$9,476
+HK$475/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$18,002/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).