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$4,144
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,273
−HK$131/mo
Today · 4.125%
HK$4,404
baseline
▲ 0.50% · 4.625%
HK$4,671
+HK$267/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$8,808/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,610
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,733
−HK$126/mo
Today · 4.125%
HK$4,859
baseline
▲ 0.50% · 4.625%
HK$5,115
+HK$256/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$9,718/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,972
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,127
−HK$157/mo
Today · 4.125%
HK$5,284
baseline
▲ 0.50% · 4.625%
HK$5,606
+HK$322/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$10,568/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$5,532
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,680
−HK$151/mo
Today · 4.125%
HK$5,831
baseline
▲ 0.50% · 4.625%
HK$6,138
+HK$307/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$11,662/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$5,801
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,982
−HK$183/mo
Today · 4.125%
HK$6,165
baseline
▲ 0.50% · 4.625%
HK$6,540
+HK$375/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,330/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$6,454
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,627
−HK$175/mo
Today · 4.125%
HK$6,802
baseline
▲ 0.50% · 4.625%
HK$7,161
+HK$359/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,604/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$7,459
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$235/mo
Today · 4.125%
HK$7,926
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,852/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$8,298
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,520
−HK$226/mo
Today · 4.125%
HK$8,746
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,492/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).