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$4,193
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,323
−HK$133/mo
Today · 4.125%
HK$4,456
baseline
▲ 0.50% · 4.625%
HK$4,727
+HK$271/mo
Deposit HK$919K · loan HK$919K · min. income ≈ HK$8,912/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,665
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,790
−HK$127/mo
Today · 4.125%
HK$4,917
baseline
▲ 0.50% · 4.625%
HK$5,176
+HK$259/mo
Deposit HK$919K · loan HK$919K · min. income ≈ HK$9,834/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,031
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,188
−HK$159/mo
Today · 4.125%
HK$5,347
baseline
▲ 0.50% · 4.625%
HK$5,672
+HK$325/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$10,694/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,597
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,748
−HK$152/mo
Today · 4.125%
HK$5,900
baseline
▲ 0.50% · 4.625%
HK$6,211
+HK$311/mo
Deposit HK$736K · loan HK$1.10M · min. income ≈ HK$11,800/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,870
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,053
−HK$185/mo
Today · 4.125%
HK$6,238
baseline
▲ 0.50% · 4.625%
HK$6,618
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,476/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,530
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,706
−HK$177/mo
Today · 4.125%
HK$6,883
baseline
▲ 0.50% · 4.625%
HK$7,246
+HK$363/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,766/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,547
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,782
−HK$239/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,509
+HK$488/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,042/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,396
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,621
−HK$229/mo
Today · 4.125%
HK$8,850
baseline
▲ 0.50% · 4.625%
HK$9,316
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,700/mo (50% DSR)
Upfront cash ≈ HK$184K (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).