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$262/mo
▼ 0.25% · 3.875%
HK$4,315
−HK$132/mo
Today · 4.125%
HK$4,447
baseline
▲ 0.50% · 4.625%
HK$4,718
+HK$271/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$8,894/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$251/mo
▼ 0.25% · 3.875%
HK$4,781
−HK$126/mo
Today · 4.125%
HK$4,907
baseline
▲ 0.50% · 4.625%
HK$5,166
+HK$259/mo
Deposit HK$918K · loan HK$918K · min. income ≈ HK$9,814/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$5,178
−HK$159/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$6,199
+HK$310/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$5,859
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,041
−HK$185/mo
Today · 4.125%
HK$6,226
baseline
▲ 0.50% · 4.625%
HK$6,605
+HK$379/mo
Deposit HK$551K · loan HK$1.28M · min. income ≈ HK$12,452/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$6,518
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,693
−HK$177/mo
Today · 4.125%
HK$6,870
baseline
▲ 0.50% · 4.625%
HK$7,232
+HK$362/mo
Deposit HK$551K · loan HK$1.28M · min. income ≈ HK$13,740/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$7,533
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,767
−HK$238/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,492
+HK$487/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$16,010/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$8,380
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,605
−HK$228/mo
Today · 4.125%
HK$8,833
baseline
▲ 0.50% · 4.625%
HK$9,299
+HK$466/mo
Deposit HK$184K · loan HK$1.65M · min. income ≈ HK$17,666/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).