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$4,162
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,292
−HK$131/mo
Today · 4.125%
HK$4,423
baseline
▲ 0.50% · 4.625%
HK$4,692
+HK$269/mo
Deposit HK$913K · loan HK$913K · min. income ≈ HK$8,846/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,630
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,755
−HK$126/mo
Today · 4.125%
HK$4,881
baseline
▲ 0.50% · 4.625%
HK$5,138
+HK$257/mo
Deposit HK$913K · loan HK$913K · min. income ≈ HK$9,762/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,995
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,150
−HK$158/mo
Today · 4.125%
HK$5,308
baseline
▲ 0.50% · 4.625%
HK$5,631
+HK$323/mo
Deposit HK$730K · loan HK$1.10M · min. income ≈ HK$10,616/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,556
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,705
−HK$152/mo
Today · 4.125%
HK$5,857
baseline
▲ 0.50% · 4.625%
HK$6,165
+HK$308/mo
Deposit HK$730K · loan HK$1.10M · min. income ≈ HK$11,714/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,827
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,008
−HK$184/mo
Today · 4.125%
HK$6,192
baseline
▲ 0.50% · 4.625%
HK$6,569
+HK$377/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$12,384/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,482
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,656
−HK$177/mo
Today · 4.125%
HK$6,833
baseline
▲ 0.50% · 4.625%
HK$7,193
+HK$360/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$13,666/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,492
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,725
−HK$237/mo
Today · 4.125%
HK$7,962
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$484/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$15,924/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$8,335
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,558
−HK$227/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,248
+HK$463/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$17,570/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).