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$4,245
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,377
−HK$134/mo
Today · 4.125%
HK$4,511
baseline
▲ 0.50% · 4.625%
HK$4,785
+HK$274/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,022/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,722
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,849
−HK$128/mo
Today · 4.125%
HK$4,977
baseline
▲ 0.50% · 4.625%
HK$5,239
+HK$262/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,954/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,093
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,252
−HK$161/mo
Today · 4.125%
HK$5,413
baseline
▲ 0.50% · 4.625%
HK$5,742
+HK$329/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$10,826/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,666
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,818
−HK$155/mo
Today · 4.125%
HK$5,973
baseline
▲ 0.50% · 4.625%
HK$6,287
+HK$314/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$11,946/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,942
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,127
−HK$188/mo
Today · 4.125%
HK$6,315
baseline
▲ 0.50% · 4.625%
HK$6,699
+HK$384/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$12,630/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,611
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,788
−HK$180/mo
Today · 4.125%
HK$6,968
baseline
▲ 0.50% · 4.625%
HK$7,335
+HK$367/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$13,936/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,640
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,878
−HK$241/mo
Today · 4.125%
HK$8,119
baseline
▲ 0.50% · 4.625%
HK$8,613
+HK$494/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,238/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,500
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,728
−HK$231/mo
Today · 4.125%
HK$8,959
baseline
▲ 0.50% · 4.625%
HK$9,431
+HK$472/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,918/mo (50% DSR)
Upfront cash ≈ HK$186K (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).