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$4,129
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,257
−HK$131/mo
Today · 4.125%
HK$4,388
baseline
▲ 0.50% · 4.625%
HK$4,655
+HK$267/mo
Deposit HK$905K · loan HK$905K · min. income ≈ HK$8,776/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,593
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,716
−HK$125/mo
Today · 4.125%
HK$4,841
baseline
▲ 0.50% · 4.625%
HK$5,097
+HK$256/mo
Deposit HK$905K · loan HK$905K · min. income ≈ HK$9,682/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,955
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,109
−HK$156/mo
Today · 4.125%
HK$5,265
baseline
▲ 0.50% · 4.625%
HK$5,586
+HK$321/mo
Deposit HK$724K · loan HK$1.09M · min. income ≈ HK$10,530/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,512
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,660
−HK$150/mo
Today · 4.125%
HK$5,810
baseline
▲ 0.50% · 4.625%
HK$6,116
+HK$306/mo
Deposit HK$724K · loan HK$1.09M · min. income ≈ HK$11,620/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,780
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,960
−HK$183/mo
Today · 4.125%
HK$6,143
baseline
▲ 0.50% · 4.625%
HK$6,517
+HK$374/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$12,286/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,431
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,603
−HK$175/mo
Today · 4.125%
HK$6,778
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$357/mo
Deposit HK$543K · loan HK$1.27M · min. income ≈ HK$13,556/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,432
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$235/mo
Today · 4.125%
HK$7,898
baseline
▲ 0.50% · 4.625%
HK$8,378
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,796/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,268
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,490
−HK$224/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,174
+HK$460/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,428/mo (50% DSR)
Upfront cash ≈ HK$181K (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).