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$4,164
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,294
−HK$131/mo
Today · 4.125%
HK$4,425
baseline
▲ 0.50% · 4.625%
HK$4,694
+HK$269/mo
Deposit HK$913K · loan HK$913K · min. income ≈ HK$8,850/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$4,633
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,757
−HK$126/mo
Today · 4.125%
HK$4,883
baseline
▲ 0.50% · 4.625%
HK$5,140
+HK$257/mo
Deposit HK$913K · loan HK$913K · min. income ≈ HK$9,766/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$4,997
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,152
−HK$158/mo
Today · 4.125%
HK$5,310
baseline
▲ 0.50% · 4.625%
HK$5,633
+HK$323/mo
Deposit HK$730K · loan HK$1.10M · min. income ≈ HK$10,620/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,559
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,708
−HK$151/mo
Today · 4.125%
HK$5,859
baseline
▲ 0.50% · 4.625%
HK$6,168
+HK$309/mo
Deposit HK$730K · loan HK$1.10M · min. income ≈ HK$11,718/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,830
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,011
−HK$184/mo
Today · 4.125%
HK$6,195
baseline
▲ 0.50% · 4.625%
HK$6,572
+HK$377/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$12,390/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$6,486
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,659
−HK$177/mo
Today · 4.125%
HK$6,836
baseline
▲ 0.50% · 4.625%
HK$7,196
+HK$360/mo
Deposit HK$548K · loan HK$1.28M · min. income ≈ HK$13,672/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$7,495
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$236/mo
Today · 4.125%
HK$7,965
baseline
▲ 0.50% · 4.625%
HK$8,450
+HK$485/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$15,930/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$8,339
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,562
−HK$227/mo
Today · 4.125%
HK$8,789
baseline
▲ 0.50% · 4.625%
HK$9,252
+HK$463/mo
Deposit HK$183K · loan HK$1.64M · min. income ≈ HK$17,578/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).