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$4,151
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,280
−HK$131/mo
Today · 4.125%
HK$4,411
baseline
▲ 0.50% · 4.625%
HK$4,680
+HK$269/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$8,822/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,618
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,742
−HK$126/mo
Today · 4.125%
HK$4,868
baseline
▲ 0.50% · 4.625%
HK$5,124
+HK$256/mo
Deposit HK$910K · loan HK$910K · min. income ≈ HK$9,736/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,981
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,136
−HK$158/mo
Today · 4.125%
HK$5,294
baseline
▲ 0.50% · 4.625%
HK$5,616
+HK$322/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$10,588/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,542
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,690
−HK$151/mo
Today · 4.125%
HK$5,841
baseline
▲ 0.50% · 4.625%
HK$6,149
+HK$308/mo
Deposit HK$728K · loan HK$1.09M · min. income ≈ HK$11,682/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,812
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,992
−HK$184/mo
Today · 4.125%
HK$6,176
baseline
▲ 0.50% · 4.625%
HK$6,552
+HK$376/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$12,352/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$6,465
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,639
−HK$176/mo
Today · 4.125%
HK$6,815
baseline
▲ 0.50% · 4.625%
HK$7,174
+HK$359/mo
Deposit HK$546K · loan HK$1.27M · min. income ≈ HK$13,630/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$7,472
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$236/mo
Today · 4.125%
HK$7,941
baseline
▲ 0.50% · 4.625%
HK$8,424
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,882/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$8,313
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,536
−HK$226/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,224
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,524/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).