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$4,185
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,316
−HK$132/mo
Today · 4.125%
HK$4,448
baseline
▲ 0.50% · 4.625%
HK$4,719
+HK$271/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$8,896/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,656
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,781
−HK$127/mo
Today · 4.125%
HK$4,908
baseline
▲ 0.50% · 4.625%
HK$5,166
+HK$258/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$9,816/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,022
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,179
−HK$158/mo
Today · 4.125%
HK$5,337
baseline
▲ 0.50% · 4.625%
HK$5,662
+HK$325/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$10,674/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$5,587
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,737
−HK$152/mo
Today · 4.125%
HK$5,889
baseline
▲ 0.50% · 4.625%
HK$6,200
+HK$311/mo
Deposit HK$734K · loan HK$1.10M · min. income ≈ HK$11,778/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$5,860
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,042
−HK$185/mo
Today · 4.125%
HK$6,227
baseline
▲ 0.50% · 4.625%
HK$6,606
+HK$379/mo
Deposit HK$551K · loan HK$1.28M · min. income ≈ HK$12,454/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,519
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,694
−HK$177/mo
Today · 4.125%
HK$6,871
baseline
▲ 0.50% · 4.625%
HK$7,233
+HK$362/mo
Deposit HK$551K · loan HK$1.28M · min. income ≈ HK$13,742/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,534
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,768
−HK$238/mo
Today · 4.125%
HK$8,006
baseline
▲ 0.50% · 4.625%
HK$8,493
+HK$487/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,012/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$8,381
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,606
−HK$228/mo
Today · 4.125%
HK$8,834
baseline
▲ 0.50% · 4.625%
HK$9,300
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,668/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).