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$4,247
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,380
−HK$134/mo
Today · 4.125%
HK$4,514
baseline
▲ 0.50% · 4.625%
HK$4,788
+HK$274/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,028/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,725
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,852
−HK$129/mo
Today · 4.125%
HK$4,981
baseline
▲ 0.50% · 4.625%
HK$5,243
+HK$262/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,962/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,097
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,255
−HK$162/mo
Today · 4.125%
HK$5,417
baseline
▲ 0.50% · 4.625%
HK$5,746
+HK$329/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$10,834/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,670
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,822
−HK$155/mo
Today · 4.125%
HK$5,977
baseline
▲ 0.50% · 4.625%
HK$6,292
+HK$315/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$11,954/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,946
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,131
−HK$188/mo
Today · 4.125%
HK$6,319
baseline
▲ 0.50% · 4.625%
HK$6,704
+HK$385/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$12,638/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$6,615
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,793
−HK$180/mo
Today · 4.125%
HK$6,973
baseline
▲ 0.50% · 4.625%
HK$7,340
+HK$367/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$13,946/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$7,645
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,883
−HK$242/mo
Today · 4.125%
HK$8,125
baseline
▲ 0.50% · 4.625%
HK$8,619
+HK$494/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,250/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,505
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,734
−HK$231/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,438
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,930/mo (50% DSR)
Upfront cash ≈ HK$186K (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).