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$4,173
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,303
−HK$132/mo
Today · 4.125%
HK$4,435
baseline
▲ 0.50% · 4.625%
HK$4,705
+HK$270/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$8,870/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,643
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,767
−HK$127/mo
Today · 4.125%
HK$4,894
baseline
▲ 0.50% · 4.625%
HK$5,152
+HK$258/mo
Deposit HK$915K · loan HK$915K · min. income ≈ HK$9,788/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,008
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,164
−HK$158/mo
Today · 4.125%
HK$5,322
baseline
▲ 0.50% · 4.625%
HK$5,646
+HK$324/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$10,644/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,571
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,721
−HK$151/mo
Today · 4.125%
HK$5,872
baseline
▲ 0.50% · 4.625%
HK$6,182
+HK$310/mo
Deposit HK$732K · loan HK$1.10M · min. income ≈ HK$11,744/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,843
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,024
−HK$185/mo
Today · 4.125%
HK$6,209
baseline
▲ 0.50% · 4.625%
HK$6,587
+HK$378/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$12,418/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,500
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,674
−HK$177/mo
Today · 4.125%
HK$6,851
baseline
▲ 0.50% · 4.625%
HK$7,212
+HK$361/mo
Deposit HK$549K · loan HK$1.28M · min. income ≈ HK$13,702/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,512
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$237/mo
Today · 4.125%
HK$7,983
baseline
▲ 0.50% · 4.625%
HK$8,469
+HK$486/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,966/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$8,357
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,581
−HK$228/mo
Today · 4.125%
HK$8,809
baseline
▲ 0.50% · 4.625%
HK$9,273
+HK$464/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,618/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).