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$4,152
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,281
−HK$132/mo
Today · 4.125%
HK$4,413
baseline
▲ 0.50% · 4.625%
HK$4,681
+HK$268/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$8,826/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,619
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,743
−HK$126/mo
Today · 4.125%
HK$4,869
baseline
▲ 0.50% · 4.625%
HK$5,126
+HK$257/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$9,738/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,983
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,138
−HK$157/mo
Today · 4.125%
HK$5,295
baseline
▲ 0.50% · 4.625%
HK$5,617
+HK$322/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$10,590/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,543
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,692
−HK$151/mo
Today · 4.125%
HK$5,843
baseline
▲ 0.50% · 4.625%
HK$6,151
+HK$308/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$11,686/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,813
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,994
−HK$184/mo
Today · 4.125%
HK$6,178
baseline
▲ 0.50% · 4.625%
HK$6,554
+HK$376/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,356/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,467
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,641
−HK$175/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,176
+HK$360/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,632/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,474
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,707
−HK$236/mo
Today · 4.125%
HK$7,943
baseline
▲ 0.50% · 4.625%
HK$8,426
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,886/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,315
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,538
−HK$226/mo
Today · 4.125%
HK$8,764
baseline
▲ 0.50% · 4.625%
HK$9,226
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,528/mo (50% DSR)
Upfront cash ≈ HK$182K (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).