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$4,220
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,352
−HK$133/mo
Today · 4.125%
HK$4,485
baseline
▲ 0.50% · 4.625%
HK$4,758
+HK$273/mo
Deposit HK$925K · loan HK$925K · min. income ≈ HK$8,970/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,695
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,821
−HK$128/mo
Today · 4.125%
HK$4,949
baseline
▲ 0.50% · 4.625%
HK$5,210
+HK$261/mo
Deposit HK$925K · loan HK$925K · min. income ≈ HK$9,898/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,065
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,222
−HK$160/mo
Today · 4.125%
HK$5,382
baseline
▲ 0.50% · 4.625%
HK$5,710
+HK$328/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$10,764/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,634
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,785
−HK$154/mo
Today · 4.125%
HK$5,939
baseline
▲ 0.50% · 4.625%
HK$6,252
+HK$313/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$11,878/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,909
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,092
−HK$187/mo
Today · 4.125%
HK$6,279
baseline
▲ 0.50% · 4.625%
HK$6,661
+HK$382/mo
Deposit HK$555K · loan HK$1.30M · min. income ≈ HK$12,558/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,573
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,750
−HK$178/mo
Today · 4.125%
HK$6,928
baseline
▲ 0.50% · 4.625%
HK$7,294
+HK$366/mo
Deposit HK$555K · loan HK$1.30M · min. income ≈ HK$13,856/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,597
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,833
−HK$240/mo
Today · 4.125%
HK$8,073
baseline
▲ 0.50% · 4.625%
HK$8,564
+HK$491/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$16,146/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$8,451
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,678
−HK$230/mo
Today · 4.125%
HK$8,908
baseline
▲ 0.50% · 4.625%
HK$9,378
+HK$470/mo
Deposit HK$185K · loan HK$1.67M · min. income ≈ HK$17,816/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).