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$4,181
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,311
−HK$133/mo
Today · 4.125%
HK$4,444
baseline
▲ 0.50% · 4.625%
HK$4,714
+HK$270/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$8,888/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,652
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,776
−HK$127/mo
Today · 4.125%
HK$4,903
baseline
▲ 0.50% · 4.625%
HK$5,161
+HK$258/mo
Deposit HK$917K · loan HK$917K · min. income ≈ HK$9,806/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,018
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,174
−HK$158/mo
Today · 4.125%
HK$5,332
baseline
▲ 0.50% · 4.625%
HK$5,657
+HK$325/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$10,664/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,582
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,732
−HK$152/mo
Today · 4.125%
HK$5,884
baseline
▲ 0.50% · 4.625%
HK$6,194
+HK$310/mo
Deposit HK$733K · loan HK$1.10M · min. income ≈ HK$11,768/mo (50% DSR)
Upfront cash ≈ HK$734K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,854
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,036
−HK$185/mo
Today · 4.125%
HK$6,221
baseline
▲ 0.50% · 4.625%
HK$6,600
+HK$379/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$12,442/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,512
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$177/mo
Today · 4.125%
HK$6,864
baseline
▲ 0.50% · 4.625%
HK$7,226
+HK$362/mo
Deposit HK$550K · loan HK$1.28M · min. income ≈ HK$13,728/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,526
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,761
−HK$237/mo
Today · 4.125%
HK$7,998
baseline
▲ 0.50% · 4.625%
HK$8,485
+HK$487/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$15,996/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$8,373
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,598
−HK$227/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,291
+HK$466/mo
Deposit HK$183K · loan HK$1.65M · min. income ≈ HK$17,650/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).