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$4,146
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,274
−HK$131/mo
Today · 4.125%
HK$4,405
baseline
▲ 0.50% · 4.625%
HK$4,674
+HK$269/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$8,810/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,612
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,736
−HK$125/mo
Today · 4.125%
HK$4,861
baseline
▲ 0.50% · 4.625%
HK$5,117
+HK$256/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$9,722/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,975
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,129
−HK$158/mo
Today · 4.125%
HK$5,287
baseline
▲ 0.50% · 4.625%
HK$5,608
+HK$321/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$10,574/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,534
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,683
−HK$150/mo
Today · 4.125%
HK$5,833
baseline
▲ 0.50% · 4.625%
HK$6,141
+HK$308/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$11,666/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,804
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,984
−HK$184/mo
Today · 4.125%
HK$6,168
baseline
▲ 0.50% · 4.625%
HK$6,543
+HK$375/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,336/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,457
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,630
−HK$175/mo
Today · 4.125%
HK$6,805
baseline
▲ 0.50% · 4.625%
HK$7,164
+HK$359/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,610/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,462
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,694
−HK$236/mo
Today · 4.125%
HK$7,930
baseline
▲ 0.50% · 4.625%
HK$8,412
+HK$482/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,860/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,301
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,524
−HK$226/mo
Today · 4.125%
HK$8,750
baseline
▲ 0.50% · 4.625%
HK$9,211
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,500/mo (50% DSR)
Upfront cash ≈ HK$182K (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).