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$4,252
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,384
−HK$134/mo
Today · 4.125%
HK$4,518
baseline
▲ 0.50% · 4.625%
HK$4,793
+HK$275/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,036/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,730
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,857
−HK$129/mo
Today · 4.125%
HK$4,986
baseline
▲ 0.50% · 4.625%
HK$5,248
+HK$262/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,972/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,102
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,261
−HK$161/mo
Today · 4.125%
HK$5,422
baseline
▲ 0.50% · 4.625%
HK$5,752
+HK$330/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$10,844/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,676
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,828
−HK$155/mo
Today · 4.125%
HK$5,983
baseline
▲ 0.50% · 4.625%
HK$6,298
+HK$315/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$11,966/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,952
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,138
−HK$188/mo
Today · 4.125%
HK$6,326
baseline
▲ 0.50% · 4.625%
HK$6,711
+HK$385/mo
Deposit HK$559K · loan HK$1.31M · min. income ≈ HK$12,652/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$6,622
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,800
−HK$180/mo
Today · 4.125%
HK$6,980
baseline
▲ 0.50% · 4.625%
HK$7,348
+HK$368/mo
Deposit HK$559K · loan HK$1.31M · min. income ≈ HK$13,960/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$7,653
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,891
−HK$242/mo
Today · 4.125%
HK$8,133
baseline
▲ 0.50% · 4.625%
HK$8,628
+HK$495/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,266/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,514
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,742
−HK$232/mo
Today · 4.125%
HK$8,974
baseline
▲ 0.50% · 4.625%
HK$9,447
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,948/mo (50% DSR)
Upfront cash ≈ HK$187K (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).