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$4,256
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,389
−HK$134/mo
Today · 4.125%
HK$4,523
baseline
▲ 0.50% · 4.625%
HK$4,798
+HK$275/mo
Deposit HK$933K · loan HK$933K · min. income ≈ HK$9,046/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,735
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,862
−HK$129/mo
Today · 4.125%
HK$4,991
baseline
▲ 0.50% · 4.625%
HK$5,254
+HK$263/mo
Deposit HK$933K · loan HK$933K · min. income ≈ HK$9,982/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,107
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,266
−HK$162/mo
Today · 4.125%
HK$5,428
baseline
▲ 0.50% · 4.625%
HK$5,758
+HK$330/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$10,856/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,682
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,834
−HK$155/mo
Today · 4.125%
HK$5,989
baseline
▲ 0.50% · 4.625%
HK$6,305
+HK$316/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$11,978/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,959
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$188/mo
Today · 4.125%
HK$6,332
baseline
▲ 0.50% · 4.625%
HK$6,718
+HK$386/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$12,664/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,629
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,807
−HK$180/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,355
+HK$368/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$13,974/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,661
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,899
−HK$243/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,637
+HK$495/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,284/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,523
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$231/mo
Today · 4.125%
HK$8,983
baseline
▲ 0.50% · 4.625%
HK$9,457
+HK$474/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,966/mo (50% DSR)
Upfront cash ≈ HK$187K (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).