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$4,173
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,303
−HK$132/mo
Today · 4.125%
HK$4,435
baseline
▲ 0.50% · 4.625%
HK$4,705
+HK$270/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$8,870/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,642
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,767
−HK$126/mo
Today · 4.125%
HK$4,893
baseline
▲ 0.50% · 4.625%
HK$5,151
+HK$258/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$9,786/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,008
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,163
−HK$159/mo
Today · 4.125%
HK$5,322
baseline
▲ 0.50% · 4.625%
HK$5,645
+HK$323/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$10,644/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,571
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,720
−HK$152/mo
Today · 4.125%
HK$5,872
baseline
▲ 0.50% · 4.625%
HK$6,181
+HK$309/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$11,744/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,842
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,024
−HK$185/mo
Today · 4.125%
HK$6,209
baseline
▲ 0.50% · 4.625%
HK$6,586
+HK$377/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$12,418/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,499
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,674
−HK$176/mo
Today · 4.125%
HK$6,850
baseline
▲ 0.50% · 4.625%
HK$7,212
+HK$362/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$13,700/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,511
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,745
−HK$237/mo
Today · 4.125%
HK$7,982
baseline
▲ 0.50% · 4.625%
HK$8,468
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,964/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,356
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,580
−HK$228/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,272
+HK$464/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,616/mo (50% DSR)
Upfront cash ≈ HK$183K (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).