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$4,138
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,267
−HK$131/mo
Today · 4.125%
HK$4,398
baseline
▲ 0.50% · 4.625%
HK$4,666
+HK$268/mo
Deposit HK$907K · loan HK$907K · min. income ≈ HK$8,796/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,604
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,727
−HK$126/mo
Today · 4.125%
HK$4,853
baseline
▲ 0.50% · 4.625%
HK$5,109
+HK$256/mo
Deposit HK$907K · loan HK$907K · min. income ≈ HK$9,706/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,966
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,121
−HK$157/mo
Today · 4.125%
HK$5,278
baseline
▲ 0.50% · 4.625%
HK$5,599
+HK$321/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$10,556/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,525
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,673
−HK$150/mo
Today · 4.125%
HK$5,823
baseline
▲ 0.50% · 4.625%
HK$6,130
+HK$307/mo
Deposit HK$726K · loan HK$1.09M · min. income ≈ HK$11,646/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,794
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,974
−HK$183/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,532
+HK$375/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$12,314/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,446
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$176/mo
Today · 4.125%
HK$6,794
baseline
▲ 0.50% · 4.625%
HK$7,152
+HK$358/mo
Deposit HK$544K · loan HK$1.27M · min. income ≈ HK$13,588/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,449
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,681
−HK$235/mo
Today · 4.125%
HK$7,916
baseline
▲ 0.50% · 4.625%
HK$8,398
+HK$482/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,832/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$8,287
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,509
−HK$226/mo
Today · 4.125%
HK$8,735
baseline
▲ 0.50% · 4.625%
HK$9,195
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,470/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).