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$4,180
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,310
−HK$132/mo
Today · 4.125%
HK$4,442
baseline
▲ 0.50% · 4.625%
HK$4,712
+HK$270/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$8,884/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,650
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,775
−HK$126/mo
Today · 4.125%
HK$4,901
baseline
▲ 0.50% · 4.625%
HK$5,160
+HK$259/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$9,802/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,016
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,172
−HK$158/mo
Today · 4.125%
HK$5,330
baseline
▲ 0.50% · 4.625%
HK$5,655
+HK$325/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$10,660/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,580
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,730
−HK$151/mo
Today · 4.125%
HK$5,881
baseline
▲ 0.50% · 4.625%
HK$6,191
+HK$310/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$11,762/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,852
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,034
−HK$185/mo
Today · 4.125%
HK$6,219
baseline
▲ 0.50% · 4.625%
HK$6,597
+HK$378/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$12,438/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,510
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,685
−HK$177/mo
Today · 4.125%
HK$6,862
baseline
▲ 0.50% · 4.625%
HK$7,223
+HK$361/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$13,724/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,524
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,758
−HK$237/mo
Today · 4.125%
HK$7,995
baseline
▲ 0.50% · 4.625%
HK$8,482
+HK$487/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,990/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$8,370
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,594
−HK$228/mo
Today · 4.125%
HK$8,822
baseline
▲ 0.50% · 4.625%
HK$9,287
+HK$465/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,644/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).