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$4,143
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,272
−HK$131/mo
Today · 4.125%
HK$4,403
baseline
▲ 0.50% · 4.625%
HK$4,670
+HK$267/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$8,806/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$4,609
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,732
−HK$126/mo
Today · 4.125%
HK$4,858
baseline
▲ 0.50% · 4.625%
HK$5,114
+HK$256/mo
Deposit HK$908K · loan HK$908K · min. income ≈ HK$9,716/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$4,971
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,126
−HK$157/mo
Today · 4.125%
HK$5,283
baseline
▲ 0.50% · 4.625%
HK$5,604
+HK$321/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$10,566/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,530
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,679
−HK$150/mo
Today · 4.125%
HK$5,829
baseline
▲ 0.50% · 4.625%
HK$6,137
+HK$308/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$11,658/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,800
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,980
−HK$184/mo
Today · 4.125%
HK$6,164
baseline
▲ 0.50% · 4.625%
HK$6,539
+HK$375/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,328/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$6,452
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,625
−HK$176/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$358/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,602/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$7,457
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,689
−HK$236/mo
Today · 4.125%
HK$7,925
baseline
▲ 0.50% · 4.625%
HK$8,407
+HK$482/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,850/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$8,296
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,518
−HK$226/mo
Today · 4.125%
HK$8,744
baseline
▲ 0.50% · 4.625%
HK$9,205
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,488/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).