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$4,236
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,368
−HK$133/mo
Today · 4.125%
HK$4,501
baseline
▲ 0.50% · 4.625%
HK$4,775
+HK$274/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,002/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,712
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,839
−HK$128/mo
Today · 4.125%
HK$4,967
baseline
▲ 0.50% · 4.625%
HK$5,229
+HK$262/mo
Deposit HK$929K · loan HK$929K · min. income ≈ HK$9,934/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,083
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,241
−HK$161/mo
Today · 4.125%
HK$5,402
baseline
▲ 0.50% · 4.625%
HK$5,730
+HK$328/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$10,804/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,655
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,806
−HK$154/mo
Today · 4.125%
HK$5,960
baseline
▲ 0.50% · 4.625%
HK$6,274
+HK$314/mo
Deposit HK$743K · loan HK$1.11M · min. income ≈ HK$11,920/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,930
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,115
−HK$187/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,686
+HK$384/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$12,604/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,597
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,774
−HK$180/mo
Today · 4.125%
HK$6,954
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$366/mo
Deposit HK$557K · loan HK$1.30M · min. income ≈ HK$13,908/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,625
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,862
−HK$241/mo
Today · 4.125%
HK$8,103
baseline
▲ 0.50% · 4.625%
HK$8,596
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,206/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$8,482
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,710
−HK$230/mo
Today · 4.125%
HK$8,940
baseline
▲ 0.50% · 4.625%
HK$9,412
+HK$472/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,880/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).