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$4,258
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,391
−HK$134/mo
Today · 4.125%
HK$4,525
baseline
▲ 0.50% · 4.625%
HK$4,801
+HK$276/mo
Deposit HK$934K · loan HK$934K · min. income ≈ HK$9,050/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,737
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,864
−HK$129/mo
Today · 4.125%
HK$4,993
baseline
▲ 0.50% · 4.625%
HK$5,257
+HK$264/mo
Deposit HK$934K · loan HK$934K · min. income ≈ HK$9,986/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,110
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$162/mo
Today · 4.125%
HK$5,431
baseline
▲ 0.50% · 4.625%
HK$5,761
+HK$330/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$10,862/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,685
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,837
−HK$155/mo
Today · 4.125%
HK$5,992
baseline
▲ 0.50% · 4.625%
HK$6,308
+HK$316/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$11,984/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,962
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,147
−HK$189/mo
Today · 4.125%
HK$6,336
baseline
▲ 0.50% · 4.625%
HK$6,721
+HK$385/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$12,672/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,632
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$181/mo
Today · 4.125%
HK$6,991
baseline
▲ 0.50% · 4.625%
HK$7,359
+HK$368/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$13,982/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,665
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$242/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,641
+HK$495/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,292/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$8,527
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$232/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$474/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,976/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).