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$4,120
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,249
−HK$130/mo
Today · 4.125%
HK$4,379
baseline
▲ 0.50% · 4.625%
HK$4,645
+HK$266/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$8,758/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,584
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,707
−HK$125/mo
Today · 4.125%
HK$4,832
baseline
▲ 0.50% · 4.625%
HK$5,086
+HK$254/mo
Deposit HK$903K · loan HK$903K · min. income ≈ HK$9,664/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,944
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,098
−HK$157/mo
Today · 4.125%
HK$5,255
baseline
▲ 0.50% · 4.625%
HK$5,574
+HK$319/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$10,510/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,501
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,648
−HK$150/mo
Today · 4.125%
HK$5,798
baseline
▲ 0.50% · 4.625%
HK$6,103
+HK$305/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$11,596/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,769
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$182/mo
Today · 4.125%
HK$6,130
baseline
▲ 0.50% · 4.625%
HK$6,503
+HK$373/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$12,260/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,417
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,590
−HK$174/mo
Today · 4.125%
HK$6,764
baseline
▲ 0.50% · 4.625%
HK$7,121
+HK$357/mo
Deposit HK$542K · loan HK$1.26M · min. income ≈ HK$13,528/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,417
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,647
−HK$235/mo
Today · 4.125%
HK$7,882
baseline
▲ 0.50% · 4.625%
HK$8,361
+HK$479/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,764/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$8,251
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,472
−HK$225/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,155
+HK$458/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,394/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).